Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$129,388Cash toward the purchase price.
Closing costs + prepaids$13,016Not just lender fees.
Before credits & paid funds$142,404The complete starting cash picture.
Estimated remaining funds due at closing
$142,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,387.51
Your down payment$129,387.51
Closing costs + prepaids$13,016.25
Total buyer cash needed$142,403.76
Remaining funds due$142,403.76
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%)$1,603.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$980.00
Initial HOA (3 months)$99.00
Prepaid interest, first (23 days)$616.19
Fees + prepaids$13,016.25
Your down payment is the seller’s equity. You take over the $320,612 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $142,403.76 is due at closing. Uses and sources reconcile at $463,016.25 each. Not a Closing Disclosure.