Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$121,658Cash toward the purchase price.
Closing costs + prepaids$13,254Not just lender fees.
Before credits & paid funds$134,912The complete starting cash picture.
Estimated remaining funds due at closing
$134,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,658.23
Your down payment$121,658.23
Closing costs + prepaids$13,254.23
Total buyer cash needed$134,912.46
Remaining funds due$134,912.46
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%)$1,691.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$679.50
Initial HOA (3 months)$90.00
Prepaid interest, first (28 days)$726.52
Fees + prepaids$13,254.23
Your down payment is the seller’s equity. You take over the $338,242 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $134,912.46 is due at closing. Uses and sources reconcile at $473,154.23 each. Not a Closing Disclosure.