Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$139,108Cash toward the purchase price.
Closing costs + prepaids$14,190Not just lender fees.
Before credits & paid funds$153,298The complete starting cash picture.
Estimated remaining funds due at closing
$153,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,108.00
Your down payment$139,108.00
Closing costs + prepaids$14,189.55
Total buyer cash needed$153,297.55
Remaining funds due$153,297.55
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%)$4,559.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,583.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$724.25
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$1,614.34
Fees + prepaids$14,189.55
Your down payment is the seller’s equity. You take over the $316,792 balance, so the rest of the $455,900 price is paid at closing. A second mortgage can cover part of it. $153,297.55 is due at closing. Uses and sources reconcile at $470,089.55 each. Not a Closing Disclosure.