Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$138,895Cash toward the purchase price.
Closing costs + prepaids$11,908Not just lender fees.
Before credits & paid funds$150,803The complete starting cash picture.
Estimated remaining funds due at closing
$150,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,894.96
Your down payment$138,894.96
Closing costs + prepaids$11,907.72
Total buyer cash needed$150,802.68
Remaining funds due$150,802.68
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%)$4,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,453.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.00
Prepaid interest, first (17 days)$404.70
Fees + prepaids$11,907.72
Your down payment is the seller’s equity. You take over the $290,605 balance, so the rest of the $429,500 price is paid at closing. A second mortgage can cover part of it. $150,802.68 is due at closing. Uses and sources reconcile at $441,407.72 each. Not a Closing Disclosure.