Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$136,494Cash toward the purchase price.
Closing costs + prepaids$12,319Not just lender fees.
Before credits & paid funds$148,812The complete starting cash picture.
Estimated remaining funds due at closing
$148,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,493.84
Your down payment$136,493.84
Closing costs + prepaids$12,318.63
Total buyer cash needed$148,812.47
Remaining funds due$148,812.47
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,392.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$399.00
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$859.10
Fees + prepaids$12,318.63
Your down payment is the seller’s equity. You take over the $278,506 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $148,812.47 is due at closing. Uses and sources reconcile at $427,318.63 each. Not a Closing Disclosure.