Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$101,853Cash toward the purchase price.
Closing costs + prepaids$13,837Not just lender fees.
Before credits & paid funds$115,691The complete starting cash picture.
Estimated remaining funds due at closing
$115,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,853.43
Your down payment$101,853.43
Closing costs + prepaids$13,837.18
Total buyer cash needed$115,690.60
Remaining funds due$115,690.60
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%)$1,815.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$452.25
Prepaid interest, first (22 days)$1,451.19
Fees + prepaids$13,837.18
Your down payment is the seller’s equity. You take over the $363,147 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $115,690.60 is due at closing. Uses and sources reconcile at $478,837.18 each. Not a Closing Disclosure.