Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$116,750Cash toward the purchase price.
Closing costs + prepaids$14,987Not just lender fees.
Before credits & paid funds$131,737The complete starting cash picture.
Estimated remaining funds due at closing
$131,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,749.88
Your down payment$116,749.88
Closing costs + prepaids$14,987.15
Total buyer cash needed$131,737.03
Remaining funds due$131,737.03
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,816.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,636.50
Prepaid interest, first (25 days)$1,266.40
Fees + prepaids$14,987.15
Your down payment is the seller’s equity. You take over the $363,250 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $131,737.03 is due at closing. Uses and sources reconcile at $494,987.15 each. Not a Closing Disclosure.