Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$138,360Cash toward the purchase price.
Closing costs + prepaids$13,095Not just lender fees.
Before credits & paid funds$151,456The complete starting cash picture.
Estimated remaining funds due at closing
$151,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,360.33
Your down payment$138,360.33
Closing costs + prepaids$13,095.49
Total buyer cash needed$151,455.82
Remaining funds due$151,455.82
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%)$4,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,768.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$590.50
Prepaid interest, first (12 days)$348.80
Fees + prepaids$13,095.49
Your down payment is the seller’s equity. You take over the $353,640 balance, so the rest of the $492,000 price is paid at closing. A second mortgage can cover part of it. $151,455.82 is due at closing. Uses and sources reconcile at $505,095.49 each. Not a Closing Disclosure.