Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$126,751Cash toward the purchase price.
Closing costs + prepaids$12,972Not just lender fees.
Before credits & paid funds$139,722The complete starting cash picture.
Estimated remaining funds due at closing
$139,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,750.67
Your down payment$126,750.67
Closing costs + prepaids$12,971.76
Total buyer cash needed$139,722.42
Remaining funds due$139,722.42
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,665.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$331.75
Prepaid interest, first (28 days)$907.26
Fees + prepaids$12,971.76
Your down payment is the seller’s equity. You take over the $333,149 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $139,722.42 is due at closing. Uses and sources reconcile at $472,871.76 each. Not a Closing Disclosure.