Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$119,308Cash toward the purchase price.
Closing costs + prepaids$14,129Not just lender fees.
Before credits & paid funds$133,436The complete starting cash picture.
Estimated remaining funds due at closing
$133,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,307.67
Your down payment$119,307.67
Closing costs + prepaids$14,128.67
Total buyer cash needed$133,436.34
Remaining funds due$133,436.34
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,748.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,560.00
Prepaid interest, first (24 days)$662.21
Fees + prepaids$14,128.67
Your down payment is the seller’s equity. You take over the $349,692 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $133,436.34 is due at closing. Uses and sources reconcile at $483,128.67 each. Not a Closing Disclosure.