Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$129,196Cash toward the purchase price.
Closing costs + prepaids$13,195Not just lender fees.
Before credits & paid funds$142,391The complete starting cash picture.
Estimated remaining funds due at closing
$142,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,196.00
Your down payment$129,196.00
Closing costs + prepaids$13,195.38
Total buyer cash needed$142,391.38
Remaining funds due$142,391.38
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%)$1,679.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$657.75
Prepaid interest, first (28 days)$740.61
Fees + prepaids$13,195.38
Your down payment is the seller’s equity. You take over the $335,804 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $142,391.38 is due at closing. Uses and sources reconcile at $478,195.38 each. Not a Closing Disclosure.