Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$140,975Cash toward the purchase price.
Closing costs + prepaids$13,325Not just lender fees.
Before credits & paid funds$154,300The complete starting cash picture.
Estimated remaining funds due at closing
$154,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,975.29
Your down payment$140,975.29
Closing costs + prepaids$13,324.77
Total buyer cash needed$154,300.06
Remaining funds due$154,300.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$524.00
Initial HOA (3 months)$207.00
Prepaid interest, first (31 days)$1,420.65
Fees + prepaids$13,324.77
Your down payment is the seller’s equity. You take over the $303,025 balance, so the rest of the $444,000 price is paid at closing. A second mortgage can cover part of it. $154,300.06 is due at closing. Uses and sources reconcile at $457,324.77 each. Not a Closing Disclosure.