Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$138,004Cash toward the purchase price.
Closing costs + prepaids$12,093Not just lender fees.
Before credits & paid funds$150,097The complete starting cash picture.
Estimated remaining funds due at closing
$150,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,003.68
Your down payment$138,003.68
Closing costs + prepaids$12,093.31
Total buyer cash needed$150,096.99
Remaining funds due$150,096.99
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%)$4,189.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,404.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$261.00
Initial HOA (3 months)$405.00
Prepaid interest, first (30 days)$614.34
Fees + prepaids$12,093.31
Your down payment is the seller’s equity. You take over the $280,995 balance, so the rest of the $418,999 price is paid at closing. A second mortgage can cover part of it. $150,096.99 is due at closing. Uses and sources reconcile at $431,092.31 each. Not a Closing Disclosure.