Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$145,798Cash toward the purchase price.
Closing costs + prepaids$12,783Not just lender fees.
Before credits & paid funds$158,580The complete starting cash picture.
Estimated remaining funds due at closing
$158,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,797.71
Your down payment$145,797.71
Closing costs + prepaids$12,782.54
Total buyer cash needed$158,580.25
Remaining funds due$158,580.25
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,671.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$576.00
Initial HOA (3 months)$117.00
Prepaid interest, first (6 days)$150.53
Fees + prepaids$12,782.54
Your down payment is the seller’s equity. You take over the $334,202 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $158,580.25 is due at closing. Uses and sources reconcile at $492,782.54 each. Not a Closing Disclosure.