Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$132,037Cash toward the purchase price.
Closing costs + prepaids$12,433Not just lender fees.
Before credits & paid funds$144,470The complete starting cash picture.
Estimated remaining funds due at closing
$144,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,036.84
Your down payment$132,036.84
Closing costs + prepaids$12,433.42
Total buyer cash needed$144,470.26
Remaining funds due$144,470.26
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%)$4,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,554.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$531.50
Initial HOA (3 months)$435.00
Prepaid interest, first (10 days)$264.11
Fees + prepaids$12,433.42
Your down payment is the seller’s equity. You take over the $310,963 balance, so the rest of the $443,000 price is paid at closing. A second mortgage can cover part of it. $144,470.26 is due at closing. Uses and sources reconcile at $455,433.42 each. Not a Closing Disclosure.