Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$132,629Cash toward the purchase price.
Closing costs + prepaids$13,942Not just lender fees.
Before credits & paid funds$146,572The complete starting cash picture.
Estimated remaining funds due at closing
$146,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,629.44
Your down payment$132,629.44
Closing costs + prepaids$13,942.23
Total buyer cash needed$146,571.67
Remaining funds due$146,571.67
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,736.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$872.25
Initial HOA (3 months)$510.00
Prepaid interest, first (19 days)$555.13
Fees + prepaids$13,942.23
Your down payment is the seller’s equity. You take over the $347,371 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $146,571.67 is due at closing. Uses and sources reconcile at $493,942.23 each. Not a Closing Disclosure.