Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$133,447Cash toward the purchase price.
Closing costs + prepaids$14,366Not just lender fees.
Before credits & paid funds$147,813The complete starting cash picture.
Estimated remaining funds due at closing
$147,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,446.81
Your down payment$133,446.81
Closing costs + prepaids$14,366.04
Total buyer cash needed$147,812.85
Remaining funds due$147,812.85
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,632.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,154.75
Initial HOA (3 months)$759.00
Prepaid interest, first (28 days)$751.52
Fees + prepaids$14,366.04
Your down payment is the seller’s equity. You take over the $326,553 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $147,812.85 is due at closing. Uses and sources reconcile at $474,366.04 each. Not a Closing Disclosure.