Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$134,281Cash toward the purchase price.
Closing costs + prepaids$14,068Not just lender fees.
Before credits & paid funds$148,349The complete starting cash picture.
Estimated remaining funds due at closing
$148,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,281.10
Your down payment$134,281.10
Closing costs + prepaids$14,067.92
Total buyer cash needed$148,349.02
Remaining funds due$148,349.02
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,653.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$610.75
Prepaid interest, first (27 days)$1,685.58
Fees + prepaids$14,067.92
Your down payment is the seller’s equity. You take over the $330,719 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $148,349.02 is due at closing. Uses and sources reconcile at $479,067.92 each. Not a Closing Disclosure.