Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$141,846Cash toward the purchase price.
Closing costs + prepaids$14,406Not just lender fees.
Before credits & paid funds$156,252The complete starting cash picture.
Estimated remaining funds due at closing
$156,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,845.53
Your down payment$141,845.53
Closing costs + prepaids$14,406.15
Total buyer cash needed$156,251.68
Remaining funds due$156,251.68
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,690.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$396.50
Initial HOA (3 months)$189.00
Prepaid interest, first (31 days)$1,863.37
Fees + prepaids$14,406.15
Your down payment is the seller’s equity. You take over the $338,054 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $156,251.68 is due at closing. Uses and sources reconcile at $494,306.15 each. Not a Closing Disclosure.