Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,534Cash toward the purchase price.
Closing costs + prepaids$14,305Not just lender fees.
Before credits & paid funds$146,839The complete starting cash picture.
Estimated remaining funds due at closing
$146,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,533.96
Your down payment$132,533.96
Closing costs + prepaids$14,304.92
Total buyer cash needed$146,838.87
Remaining funds due$146,838.87
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,587.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,386.25
Prepaid interest, first (27 days)$1,613.34
Fees + prepaids$14,304.92
Your down payment is the seller’s equity. You take over the $317,466 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $146,838.87 is due at closing. Uses and sources reconcile at $464,304.92 each. Not a Closing Disclosure.