Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$129,388Cash toward the purchase price.
Closing costs + prepaids$13,231Not just lender fees.
Before credits & paid funds$142,618The complete starting cash picture.
Estimated remaining funds due at closing
$142,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,387.51
Your down payment$129,387.51
Closing costs + prepaids$13,230.58
Total buyer cash needed$142,618.09
Remaining funds due$142,618.09
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,603.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$980.00
Initial HOA (3 months)$99.00
Prepaid interest, first (31 days)$830.52
Fees + prepaids$13,230.58
Your down payment is the seller’s equity. You take over the $320,612 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $142,618.09 is due at closing. Uses and sources reconcile at $463,230.58 each. Not a Closing Disclosure.