Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$134,862Cash toward the purchase price.
Closing costs + prepaids$12,814Not just lender fees.
Before credits & paid funds$147,676The complete starting cash picture.
Estimated remaining funds due at closing
$147,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,861.66
Your down payment$134,861.66
Closing costs + prepaids$12,814.33
Total buyer cash needed$147,675.98
Remaining funds due$147,675.98
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%)$1,575.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$61.50
Prepaid interest, first (26 days)$1,459.13
Fees + prepaids$12,814.33
Your down payment is the seller’s equity. You take over the $315,138 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $147,675.98 is due at closing. Uses and sources reconcile at $462,814.33 each. Not a Closing Disclosure.