Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$126,672Cash toward the purchase price.
Closing costs + prepaids$13,360Not just lender fees.
Before credits & paid funds$140,031The complete starting cash picture.
Estimated remaining funds due at closing
$140,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,671.71
Your down payment$126,671.71
Closing costs + prepaids$13,359.53
Total buyer cash needed$140,031.24
Remaining funds due$140,031.24
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%)$1,766.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$621.00
Initial HOA (3 months)$125.01
Prepaid interest, first (23 days)$578.88
Fees + prepaids$13,359.53
Your down payment is the seller’s equity. You take over the $353,328 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $140,031.24 is due at closing. Uses and sources reconcile at $493,359.53 each. Not a Closing Disclosure.