Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$131,186Cash toward the purchase price.
Closing costs + prepaids$13,110Not just lender fees.
Before credits & paid funds$144,297The complete starting cash picture.
Estimated remaining funds due at closing
$144,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,186.13
Your down payment$131,186.13
Closing costs + prepaids$13,110.40
Total buyer cash needed$144,296.53
Remaining funds due$144,296.53
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,689.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (26 days)$1,263.33
Fees + prepaids$13,110.40
Your down payment is the seller’s equity. You take over the $337,814 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $144,296.53 is due at closing. Uses and sources reconcile at $482,110.40 each. Not a Closing Disclosure.