Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$111,592Cash toward the purchase price.
Closing costs + prepaids$13,940Not just lender fees.
Before credits & paid funds$125,532The complete starting cash picture.
Estimated remaining funds due at closing
$125,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,591.67
Your down payment$111,591.67
Closing costs + prepaids$13,940.00
Total buyer cash needed$125,531.67
Remaining funds due$125,531.67
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,592.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,075.00
Initial HOA (3 months)$1,320.00
Prepaid interest, first (18 days)$434.95
Fees + prepaids$13,940.00
Your down payment is the seller’s equity. You take over the $318,408 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $125,531.67 is due at closing. Uses and sources reconcile at $443,940.00 each. Not a Closing Disclosure.