Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$134,521Cash toward the purchase price.
Closing costs + prepaids$13,895Not just lender fees.
Before credits & paid funds$148,417The complete starting cash picture.
Estimated remaining funds due at closing
$148,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,521.27
Your down payment$134,521.27
Closing costs + prepaids$13,895.46
Total buyer cash needed$148,416.73
Remaining funds due$148,416.73
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%)$1,652.39
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 (25 days)$1,514.32
Fees + prepaids$13,895.46
Your down payment is the seller’s equity. You take over the $330,479 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $148,416.73 is due at closing. Uses and sources reconcile at $478,895.46 each. Not a Closing Disclosure.