Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$130,872Cash toward the purchase price.
Closing costs + prepaids$13,474Not just lender fees.
Before credits & paid funds$144,346The complete starting cash picture.
Estimated remaining funds due at closing
$144,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,872.00
Your down payment$130,872.00
Closing costs + prepaids$13,473.81
Total buyer cash needed$144,345.82
Remaining funds due$144,345.82
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%)$4,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,645.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,141.25
Prepaid interest, first (24 days)$618.94
Fees + prepaids$13,473.81
Your down payment is the seller’s equity. You take over the $329,127 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $144,345.82 is due at closing. Uses and sources reconcile at $473,472.81 each. Not a Closing Disclosure.