Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$123,525Cash toward the purchase price.
Closing costs + prepaids$12,501Not just lender fees.
Before credits & paid funds$136,026The complete starting cash picture.
Estimated remaining funds due at closing
$136,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,524.94
Your down payment$123,524.94
Closing costs + prepaids$12,500.93
Total buyer cash needed$136,025.87
Remaining funds due$136,025.87
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%)$1,632.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.50
Initial HOA (3 months)$117.00
Prepaid interest, first (23 days)$613.06
Fees + prepaids$12,500.93
Your down payment is the seller’s equity. You take over the $326,475 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $136,025.87 is due at closing. Uses and sources reconcile at $462,500.93 each. Not a Closing Disclosure.