Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$142,559Cash toward the purchase price.
Closing costs + prepaids$11,808Not just lender fees.
Before credits & paid funds$154,367The complete starting cash picture.
Estimated remaining funds due at closing
$154,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,558.66
Your down payment$142,558.66
Closing costs + prepaids$11,808.10
Total buyer cash needed$154,366.76
Remaining funds due$154,366.76
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,432.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$514.75
Prepaid interest, first (12 days)$353.15
Fees + prepaids$11,808.10
Your down payment is the seller’s equity. You take over the $286,441 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $154,366.76 is due at closing. Uses and sources reconcile at $440,808.10 each. Not a Closing Disclosure.