Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$138,720Cash toward the purchase price.
Closing costs + prepaids$12,847Not just lender fees.
Before credits & paid funds$151,568The complete starting cash picture.
Estimated remaining funds due at closing
$151,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,720.44
Your down payment$138,720.44
Closing costs + prepaids$12,847.36
Total buyer cash needed$151,567.80
Remaining funds due$151,567.80
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,505.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$840.00
Prepaid interest, first (12 days)$356.46
Fees + prepaids$12,847.36
Your down payment is the seller’s equity. You take over the $301,180 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $151,567.80 is due at closing. Uses and sources reconcile at $452,747.36 each. Not a Closing Disclosure.