Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$115,250Cash toward the purchase price.
Closing costs + prepaids$13,288Not just lender fees.
Before credits & paid funds$128,539The complete starting cash picture.
Estimated remaining funds due at closing
$128,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,250.37
Your down payment$115,250.37
Closing costs + prepaids$13,288.46
Total buyer cash needed$128,538.83
Remaining funds due$128,538.83
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%)$4,830.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,838.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$347.50
Prepaid interest, first (26 days)$804.21
Fees + prepaids$13,288.46
Your down payment is the seller’s equity. You take over the $367,750 balance, so the rest of the $483,000 price is paid at closing. A second mortgage can cover part of it. $128,538.83 is due at closing. Uses and sources reconcile at $496,288.46 each. Not a Closing Disclosure.