Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$145,150Cash toward the purchase price.
Closing costs + prepaids$12,743Not just lender fees.
Before credits & paid funds$157,893The complete starting cash picture.
Estimated remaining funds due at closing
$157,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,149.69
Your down payment$145,149.69
Closing costs + prepaids$12,743.10
Total buyer cash needed$157,892.79
Remaining funds due$157,892.79
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,619.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$337.00
Prepaid interest, first (27 days)$628.85
Fees + prepaids$12,743.10
Your down payment is the seller’s equity. You take over the $323,850 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $157,892.79 is due at closing. Uses and sources reconcile at $481,743.10 each. Not a Closing Disclosure.