Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$123,186Cash toward the purchase price.
Closing costs + prepaids$13,314Not just lender fees.
Before credits & paid funds$136,500The complete starting cash picture.
Estimated remaining funds due at closing
$136,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,186.13
Your down payment$123,186.13
Closing costs + prepaids$13,313.99
Total buyer cash needed$136,500.12
Remaining funds due$136,500.12
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,609.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$637.25
Prepaid interest, first (25 days)$1,399.67
Fees + prepaids$13,313.99
Your down payment is the seller’s equity. You take over the $321,814 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $136,500.12 is due at closing. Uses and sources reconcile at $458,313.99 each. Not a Closing Disclosure.