Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$115,035Cash toward the purchase price.
Closing costs + prepaids$13,891Not just lender fees.
Before credits & paid funds$128,926The complete starting cash picture.
Estimated remaining funds due at closing
$128,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,034.94
Your down payment$115,034.94
Closing costs + prepaids$13,890.95
Total buyer cash needed$128,925.89
Remaining funds due$128,925.89
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%)$4,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,709.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,156.00
Initial HOA (3 months)$171.00
Prepaid interest, first (31 days)$816.13
Fees + prepaids$13,890.95
Your down payment is the seller’s equity. You take over the $341,965 balance, so the rest of the $457,000 price is paid at closing. A second mortgage can cover part of it. $128,925.89 is due at closing. Uses and sources reconcile at $470,890.95 each. Not a Closing Disclosure.