Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$135,846Cash toward the purchase price.
Closing costs + prepaids$12,804Not just lender fees.
Before credits & paid funds$148,650The complete starting cash picture.
Estimated remaining funds due at closing
$148,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,845.78
Your down payment$135,845.78
Closing costs + prepaids$12,804.34
Total buyer cash needed$148,650.12
Remaining funds due$148,650.12
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%)$1,695.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$570.00
Prepaid interest, first (10 days)$320.57
Fees + prepaids$12,804.34
Your down payment is the seller’s equity. You take over the $339,154 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $148,650.12 is due at closing. Uses and sources reconcile at $487,804.34 each. Not a Closing Disclosure.