Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$135,537Cash toward the purchase price.
Closing costs + prepaids$12,577Not just lender fees.
Before credits & paid funds$148,114The complete starting cash picture.
Estimated remaining funds due at closing
$148,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,536.84
Your down payment$135,536.84
Closing costs + prepaids$12,577.44
Total buyer cash needed$148,114.27
Remaining funds due$148,114.27
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%)$4,465.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,554.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.00
Initial HOA (3 months)$435.00
Prepaid interest, first (21 days)$554.62
Fees + prepaids$12,577.44
Your down payment is the seller’s equity. You take over the $310,963 balance, so the rest of the $446,500 price is paid at closing. A second mortgage can cover part of it. $148,114.27 is due at closing. Uses and sources reconcile at $459,077.44 each. Not a Closing Disclosure.