Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$129,457Cash toward the purchase price.
Closing costs + prepaids$11,773Not just lender fees.
Before credits & paid funds$141,230The complete starting cash picture.
Estimated remaining funds due at closing
$141,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,457.12
Your down payment$129,457.12
Closing costs + prepaids$11,773.07
Total buyer cash needed$141,230.19
Remaining funds due$141,230.19
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,552.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$481.00
Initial HOA (3 months)$96.00
Prepaid interest, first (1 days)$25.35
Fees + prepaids$11,773.07
Your down payment is the seller’s equity. You take over the $310,543 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $141,230.19 is due at closing. Uses and sources reconcile at $451,773.07 each. Not a Closing Disclosure.