Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$144,011Cash toward the purchase price.
Closing costs + prepaids$13,899Not just lender fees.
Before credits & paid funds$157,910The complete starting cash picture.
Estimated remaining funds due at closing
$157,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,010.82
Your down payment$144,010.82
Closing costs + prepaids$13,899.10
Total buyer cash needed$157,909.92
Remaining funds due$157,909.92
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%)$4,794.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,676.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,198.50
Prepaid interest, first (27 days)$761.66
Fees + prepaids$13,899.10
Your down payment is the seller’s equity. You take over the $335,389 balance, so the rest of the $479,400 price is paid at closing. A second mortgage can cover part of it. $157,909.92 is due at closing. Uses and sources reconcile at $493,299.10 each. Not a Closing Disclosure.