Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$142,265Cash toward the purchase price.
Closing costs + prepaids$13,165Not just lender fees.
Before credits & paid funds$155,430The complete starting cash picture.
Estimated remaining funds due at closing
$155,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,264.94
Your down payment$142,264.94
Closing costs + prepaids$13,164.71
Total buyer cash needed$155,429.65
Remaining funds due$155,429.65
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,738.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$243.50
Prepaid interest, first (28 days)$816.04
Fees + prepaids$13,164.71
Your down payment is the seller’s equity. You take over the $347,635 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $155,429.65 is due at closing. Uses and sources reconcile at $503,064.71 each. Not a Closing Disclosure.