Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$120,162Cash toward the purchase price.
Closing costs + prepaids$13,690Not just lender fees.
Before credits & paid funds$133,852The complete starting cash picture.
Estimated remaining funds due at closing
$133,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,161.55
Your down payment$120,161.55
Closing costs + prepaids$13,690.03
Total buyer cash needed$133,851.58
Remaining funds due$133,851.58
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,644.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,620.50
Initial HOA (3 months)$36.24
Prepaid interest, first (27 days)$681.10
Fees + prepaids$13,690.03
Your down payment is the seller’s equity. You take over the $328,838 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $133,851.58 is due at closing. Uses and sources reconcile at $462,690.03 each. Not a Closing Disclosure.