Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$139,034Cash toward the purchase price.
Closing costs + prepaids$15,883Not just lender fees.
Before credits & paid funds$154,917The complete starting cash picture.
Estimated remaining funds due at closing
$154,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,033.73
Your down payment$139,033.73
Closing costs + prepaids$15,883.01
Total buyer cash needed$154,916.74
Remaining funds due$154,916.74
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,699.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,197.50
Initial HOA (3 months)$2,085.00
Prepaid interest, first (23 days)$642.68
Fees + prepaids$15,883.01
Your down payment is the seller’s equity. You take over the $339,966 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $154,916.74 is due at closing. Uses and sources reconcile at $494,883.01 each. Not a Closing Disclosure.