Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$135,470Cash toward the purchase price.
Closing costs + prepaids$13,343Not just lender fees.
Before credits & paid funds$148,813The complete starting cash picture.
Estimated remaining funds due at closing
$148,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,470.16
Your down payment$135,470.16
Closing costs + prepaids$13,343.12
Total buyer cash needed$148,813.29
Remaining funds due$148,813.29
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,722.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,200.00
Initial HOA (3 months)$99.99
Prepaid interest, first (2 days)$52.48
Fees + prepaids$13,343.12
Your down payment is the seller’s equity. You take over the $344,530 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $148,813.29 is due at closing. Uses and sources reconcile at $493,343.12 each. Not a Closing Disclosure.