Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$136,320Cash toward the purchase price.
Closing costs + prepaids$13,694Not just lender fees.
Before credits & paid funds$150,014The complete starting cash picture.
Estimated remaining funds due at closing
$150,014No 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$13,693.58
Total buyer cash needed$150,013.74
Remaining funds due$150,013.74
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)$562.50
Initial HOA (3 months)$1,410.00
Prepaid interest, first (18 days)$434.68
Fees + prepaids$13,693.58
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. $150,013.74 is due at closing. Uses and sources reconcile at $463,693.58 each. Not a Closing Disclosure.