Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$118,185Cash toward the purchase price.
Closing costs + prepaids$13,263Not just lender fees.
Before credits & paid funds$131,448The complete starting cash picture.
Estimated remaining funds due at closing
$131,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,185.19
Your down payment$118,185.19
Closing costs + prepaids$13,263.01
Total buyer cash needed$131,448.20
Remaining funds due$131,448.20
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,584.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,121.00
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$749.94
Fees + prepaids$13,263.01
Your down payment is the seller’s equity. You take over the $316,815 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $131,448.20 is due at closing. Uses and sources reconcile at $448,263.01 each. Not a Closing Disclosure.