Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$127,827Cash toward the purchase price.
Closing costs + prepaids$11,703Not just lender fees.
Before credits & paid funds$139,530The complete starting cash picture.
Estimated remaining funds due at closing
$139,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,827.32
Your down payment$127,827.32
Closing costs + prepaids$11,703.07
Total buyer cash needed$139,530.39
Remaining funds due$139,530.39
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,410.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Initial HOA (3 months)$270.00
Prepaid interest, first (9 days)$212.21
Fees + prepaids$11,703.07
Your down payment is the seller’s equity. You take over the $282,173 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $139,530.39 is due at closing. Uses and sources reconcile at $421,703.07 each. Not a Closing Disclosure.