Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$135,871Cash toward the purchase price.
Closing costs + prepaids$14,581Not just lender fees.
Before credits & paid funds$150,452The complete starting cash picture.
Estimated remaining funds due at closing
$150,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,871.28
Your down payment$135,871.28
Closing costs + prepaids$14,580.63
Total buyer cash needed$150,451.91
Remaining funds due$150,451.91
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%)$1,720.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,083.75
Initial HOA (3 months)$57.24
Prepaid interest, first (30 days)$1,451.00
Fees + prepaids$14,580.63
Your down payment is the seller’s equity. You take over the $344,129 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $150,451.91 is due at closing. Uses and sources reconcile at $494,580.63 each. Not a Closing Disclosure.