Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$120,485Cash toward the purchase price.
Closing costs + prepaids$13,700Not just lender fees.
Before credits & paid funds$134,185The complete starting cash picture.
Estimated remaining funds due at closing
$134,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,484.64
Your down payment$120,484.64
Closing costs + prepaids$13,700.30
Total buyer cash needed$134,184.94
Remaining funds due$134,184.94
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%)$4,648.20
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,721.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$723.00
Initial HOA (3 months)$90.00
Prepaid interest, first (18 days)$1,049.42
Fees + prepaids$13,700.30
Your down payment is the seller’s equity. You take over the $344,335 balance, so the rest of the $464,820 price is paid at closing. A second mortgage can cover part of it. $134,184.94 is due at closing. Uses and sources reconcile at $478,520.30 each. Not a Closing Disclosure.