Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$137,707Cash toward the purchase price.
Closing costs + prepaids$12,410Not just lender fees.
Before credits & paid funds$150,116The complete starting cash picture.
Estimated remaining funds due at closing
$150,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,706.59
Your down payment$137,706.59
Closing costs + prepaids$12,409.64
Total buyer cash needed$150,116.23
Remaining funds due$150,116.23
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,561.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$377.25
Prepaid interest, first (22 days)$752.93
Fees + prepaids$12,409.64
Your down payment is the seller’s equity. You take over the $312,293 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $150,116.23 is due at closing. Uses and sources reconcile at $462,409.64 each. Not a Closing Disclosure.