Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$129,585Cash toward the purchase price.
Closing costs + prepaids$13,578Not just lender fees.
Before credits & paid funds$143,163The complete starting cash picture.
Estimated remaining funds due at closing
$143,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,585.33
Your down payment$129,585.33
Closing costs + prepaids$13,578.02
Total buyer cash needed$143,163.34
Remaining funds due$143,163.34
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,751.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$348.00
Initial HOA (3 months)$201.00
Prepaid interest, first (28 days)$1,010.44
Fees + prepaids$13,578.02
Your down payment is the seller’s equity. You take over the $350,315 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $143,163.34 is due at closing. Uses and sources reconcile at $493,478.02 each. Not a Closing Disclosure.