Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$130,230Cash toward the purchase price.
Closing costs + prepaids$13,704Not just lender fees.
Before credits & paid funds$143,934The complete starting cash picture.
Estimated remaining funds due at closing
$143,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,230.39
Your down payment$130,230.39
Closing costs + prepaids$13,703.60
Total buyer cash needed$143,933.99
Remaining funds due$143,933.99
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,693.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$830.75
Initial HOA (3 months)$129.99
Prepaid interest, first (30 days)$891.01
Fees + prepaids$13,703.60
Your down payment is the seller’s equity. You take over the $338,770 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $143,933.99 is due at closing. Uses and sources reconcile at $482,703.60 each. Not a Closing Disclosure.