Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$129,995Cash toward the purchase price.
Closing costs + prepaids$12,280Not just lender fees.
Before credits & paid funds$142,275The complete starting cash picture.
Estimated remaining funds due at closing
$142,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,994.50
Your down payment$129,994.50
Closing costs + prepaids$12,280.26
Total buyer cash needed$142,274.76
Remaining funds due$142,274.76
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,600.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$411.75
Prepaid interest, first (21 days)$550.50
Fees + prepaids$12,280.26
Your down payment is the seller’s equity. You take over the $320,004 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $142,274.76 is due at closing. Uses and sources reconcile at $462,279.26 each. Not a Closing Disclosure.