Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$119,487Cash toward the purchase price.
Closing costs + prepaids$13,935Not just lender fees.
Before credits & paid funds$133,422The complete starting cash picture.
Estimated remaining funds due at closing
$133,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,486.67
Your down payment$119,486.67
Closing costs + prepaids$13,934.84
Total buyer cash needed$133,421.51
Remaining funds due$133,421.51
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,652.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,589.75
Initial HOA (3 months)$213.00
Prepaid interest, first (29 days)$761.54
Fees + prepaids$13,934.84
Your down payment is the seller’s equity. You take over the $330,512 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $133,421.51 is due at closing. Uses and sources reconcile at $463,933.84 each. Not a Closing Disclosure.