Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$122,682Cash toward the purchase price.
Closing costs + prepaids$13,926Not just lender fees.
Before credits & paid funds$136,607The complete starting cash picture.
Estimated remaining funds due at closing
$136,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,681.87
Your down payment$122,681.87
Closing costs + prepaids$13,925.61
Total buyer cash needed$136,607.48
Remaining funds due$136,607.48
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%)$1,711.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,470.00
Prepaid interest, first (25 days)$626.02
Fees + prepaids$13,925.61
Your down payment is the seller’s equity. You take over the $342,318 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $136,607.48 is due at closing. Uses and sources reconcile at $478,925.61 each. Not a Closing Disclosure.