Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$141,001Cash toward the purchase price.
Closing costs + prepaids$13,735Not just lender fees.
Before credits & paid funds$154,736The complete starting cash picture.
Estimated remaining funds due at closing
$154,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,001.03
Your down payment$141,001.03
Closing costs + prepaids$13,734.93
Total buyer cash needed$154,735.96
Remaining funds due$154,735.96
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%)$4,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,719.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$606.25
Prepaid interest, first (18 days)$1,092.19
Fees + prepaids$13,734.93
Your down payment is the seller’s equity. You take over the $343,899 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $154,735.96 is due at closing. Uses and sources reconcile at $498,634.93 each. Not a Closing Disclosure.