Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$134,970Cash toward the purchase price.
Closing costs + prepaids$13,442Not just lender fees.
Before credits & paid funds$148,411The complete starting cash picture.
Estimated remaining funds due at closing
$148,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,969.73
Your down payment$134,969.73
Closing costs + prepaids$13,441.67
Total buyer cash needed$148,411.40
Remaining funds due$148,411.40
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%)$4,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,795.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$617.50
Initial HOA (3 months)$141.00
Prepaid interest, first (16 days)$480.02
Fees + prepaids$13,441.67
Your down payment is the seller’s equity. You take over the $359,030 balance, so the rest of the $494,000 price is paid at closing. A second mortgage can cover part of it. $148,411.40 is due at closing. Uses and sources reconcile at $507,441.67 each. Not a Closing Disclosure.