Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$136,701Cash toward the purchase price.
Closing costs + prepaids$15,229Not just lender fees.
Before credits & paid funds$151,930The complete starting cash picture.
Estimated remaining funds due at closing
$151,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,700.61
Your down payment$136,700.61
Closing costs + prepaids$15,229.41
Total buyer cash needed$151,930.02
Remaining funds due$151,930.02
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%)$4,698.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,665.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,175.00
Initial HOA (3 months)$285.00
Prepaid interest, first (31 days)$1,937.91
Fees + prepaids$15,229.41
Your down payment is the seller’s equity. You take over the $333,099 balance, so the rest of the $469,800 price is paid at closing. A second mortgage can cover part of it. $151,930.02 is due at closing. Uses and sources reconcile at $485,029.41 each. Not a Closing Disclosure.