Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$127,629Cash toward the purchase price.
Closing costs + prepaids$13,298Not just lender fees.
Before credits & paid funds$140,927The complete starting cash picture.
Estimated remaining funds due at closing
$140,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,629.44
Your down payment$127,629.44
Closing costs + prepaids$13,297.81
Total buyer cash needed$140,927.25
Remaining funds due$140,927.25
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%)$4,750.00
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)$570.00
Initial HOA (3 months)$510.00
Prepaid interest, first (9 days)$262.95
Fees + prepaids$13,297.81
Your down payment is the seller’s equity. You take over the $347,371 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $140,927.25 is due at closing. Uses and sources reconcile at $488,297.81 each. Not a Closing Disclosure.