Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$136,141Cash toward the purchase price.
Closing costs + prepaids$13,170Not just lender fees.
Before credits & paid funds$149,311The complete starting cash picture.
Estimated remaining funds due at closing
$149,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,140.55
Your down payment$136,140.55
Closing costs + prepaids$13,170.20
Total buyer cash needed$149,310.75
Remaining funds due$149,310.75
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,769.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Initial HOA (3 months)$117.99
Prepaid interest, first (12 days)$326.91
Fees + prepaids$13,170.20
Your down payment is the seller’s equity. You take over the $353,859 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $149,310.75 is due at closing. Uses and sources reconcile at $503,170.20 each. Not a Closing Disclosure.