Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,037Cash toward the purchase price.
Closing costs + prepaids$12,867Not just lender fees.
Before credits & paid funds$150,903The complete starting cash picture.
Estimated remaining funds due at closing
$150,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,036.84
Your down payment$138,036.84
Closing costs + prepaids$12,866.54
Total buyer cash needed$150,903.38
Remaining funds due$150,903.38
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%)$4,490.00
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 (31 days)$818.73
Fees + prepaids$12,866.54
Your down payment is the seller’s equity. You take over the $310,963 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $150,903.38 is due at closing. Uses and sources reconcile at $461,866.54 each. Not a Closing Disclosure.