Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$118,573Cash toward the purchase price.
Closing costs + prepaids$13,775Not just lender fees.
Before credits & paid funds$132,348The complete starting cash picture.
Estimated remaining funds due at closing
$132,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,572.64
Your down payment$118,572.64
Closing costs + prepaids$13,775.48
Total buyer cash needed$132,348.12
Remaining funds due$132,348.12
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,806.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$580.50
Initial HOA (3 months)$240.00
Prepaid interest, first (29 days)$881.34
Fees + prepaids$13,775.48
Your down payment is the seller’s equity. You take over the $361,327 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $132,348.12 is due at closing. Uses and sources reconcile at $493,675.48 each. Not a Closing Disclosure.