Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$117,534Cash toward the purchase price.
Closing costs + prepaids$12,504Not just lender fees.
Before credits & paid funds$130,038The complete starting cash picture.
Estimated remaining funds due at closing
$130,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,533.96
Your down payment$117,533.96
Closing costs + prepaids$12,503.59
Total buyer cash needed$130,037.55
Remaining funds due$130,037.55
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,587.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,109.25
Prepaid interest, first (4 days)$239.01
Fees + prepaids$12,503.59
Your down payment is the seller’s equity. You take over the $317,466 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $130,037.55 is due at closing. Uses and sources reconcile at $447,503.59 each. Not a Closing Disclosure.