Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$136,909Cash toward the purchase price.
Closing costs + prepaids$11,770Not just lender fees.
Before credits & paid funds$148,680The complete starting cash picture.
Estimated remaining funds due at closing
$148,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,909.32
Your down payment$136,909.32
Closing costs + prepaids$11,770.23
Total buyer cash needed$148,679.54
Remaining funds due$148,679.54
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%)$4,249.00
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)$510.00
Initial HOA (3 months)$114.99
Prepaid interest, first (10 days)$238.28
Fees + prepaids$11,770.23
Your down payment is the seller’s equity. You take over the $287,991 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $148,679.54 is due at closing. Uses and sources reconcile at $436,670.23 each. Not a Closing Disclosure.