Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$185,128Cash toward the purchase price.
Closing costs + prepaids$13,393Not just lender fees.
Before credits & paid funds$198,521The complete starting cash picture.
Estimated remaining funds due at closing
$198,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,127.62
Your down payment$185,127.62
Closing costs + prepaids$13,393.01
Total buyer cash needed$198,520.63
Remaining funds due$198,520.63
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%)$1,399.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,170.75
Prepaid interest, first (29 days)$704.90
Fees + prepaids$13,393.01
Your down payment is the seller’s equity. You take over the $279,872 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $198,520.63 is due at closing. Uses and sources reconcile at $478,393.01 each. Not a Closing Disclosure.