Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$140,299Cash toward the purchase price.
Closing costs + prepaids$14,610Not just lender fees.
Before credits & paid funds$154,909The complete starting cash picture.
Estimated remaining funds due at closing
$154,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,299.45
Your down payment$140,299.45
Closing costs + prepaids$14,609.57
Total buyer cash needed$154,909.02
Remaining funds due$154,909.02
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,723.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$960.25
Prepaid interest, first (25 days)$1,607.82
Fees + prepaids$14,609.57
Your down payment is the seller’s equity. You take over the $344,701 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $154,909.02 is due at closing. Uses and sources reconcile at $499,609.57 each. Not a Closing Disclosure.