Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$139,505Cash toward the purchase price.
Closing costs + prepaids$13,741Not just lender fees.
Before credits & paid funds$153,247The complete starting cash picture.
Estimated remaining funds due at closing
$153,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,505.36
Your down payment$139,505.36
Closing costs + prepaids$13,741.44
Total buyer cash needed$153,246.80
Remaining funds due$153,246.80
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,627.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$887.25
Initial HOA (3 months)$434.01
Prepaid interest, first (26 days)$674.71
Fees + prepaids$13,741.44
Your down payment is the seller’s equity. You take over the $325,495 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $153,246.80 is due at closing. Uses and sources reconcile at $478,741.44 each. Not a Closing Disclosure.