Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$136,320Cash toward the purchase price.
Closing costs + prepaids$14,010Not just lender fees.
Before credits & paid funds$150,330The complete starting cash picture.
Estimated remaining funds due at closing
$150,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,320.16
Your down payment$136,320.16
Closing costs + prepaids$14,010.07
Total buyer cash needed$150,330.23
Remaining funds due$150,330.23
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%)$1,568.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$637.50
Initial HOA (3 months)$1,410.00
Prepaid interest, first (28 days)$676.17
Fees + prepaids$14,010.07
Your down payment is the seller’s equity. You take over the $313,680 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $150,330.23 is due at closing. Uses and sources reconcile at $464,010.07 each. Not a Closing Disclosure.