Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$141,909Cash toward the purchase price.
Closing costs + prepaids$11,983Not just lender fees.
Before credits & paid funds$153,893The complete starting cash picture.
Estimated remaining funds due at closing
$153,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,909.32
Your down payment$141,909.32
Closing costs + prepaids$11,983.34
Total buyer cash needed$153,892.65
Remaining funds due$153,892.65
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,439.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$411.00
Initial HOA (3 months)$114.99
Prepaid interest, first (21 days)$500.39
Fees + prepaids$11,983.34
Your down payment is the seller’s equity. You take over the $287,991 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $153,892.65 is due at closing. Uses and sources reconcile at $441,883.34 each. Not a Closing Disclosure.