Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$116,107Cash toward the purchase price.
Closing costs + prepaids$14,382Not just lender fees.
Before credits & paid funds$130,489The complete starting cash picture.
Estimated remaining funds due at closing
$130,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,106.76
Your down payment$116,106.76
Closing costs + prepaids$14,382.20
Total buyer cash needed$130,488.96
Remaining funds due$130,488.96
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%)$1,819.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$987.50
Initial HOA (3 months)$399.99
Prepaid interest, first (26 days)$907.24
Fees + prepaids$14,382.20
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $130,488.96 is due at closing. Uses and sources reconcile at $494,382.20 each. Not a Closing Disclosure.