Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$137,590Cash toward the purchase price.
Closing costs + prepaids$11,929Not just lender fees.
Before credits & paid funds$149,519The complete starting cash picture.
Estimated remaining funds due at closing
$149,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,590.06
Your down payment$137,590.06
Closing costs + prepaids$11,928.55
Total buyer cash needed$149,518.62
Remaining funds due$149,518.62
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%)$4,130.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,377.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.50
Prepaid interest, first (22 days)$747.00
Fees + prepaids$11,928.55
Your down payment is the seller’s equity. You take over the $275,410 balance, so the rest of the $413,000 price is paid at closing. A second mortgage can cover part of it. $149,518.62 is due at closing. Uses and sources reconcile at $424,928.55 each. Not a Closing Disclosure.