Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$118,546Cash toward the purchase price.
Closing costs + prepaids$12,159Not just lender fees.
Before credits & paid funds$130,705The complete starting cash picture.
Estimated remaining funds due at closing
$130,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,545.97
Your down payment$118,545.97
Closing costs + prepaids$12,159.20
Total buyer cash needed$130,705.17
Remaining funds due$130,705.17
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,652.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$6.75
Prepaid interest, first (28 days)$792.18
Fees + prepaids$12,159.20
Your down payment is the seller’s equity. You take over the $330,454 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $130,705.17 is due at closing. Uses and sources reconcile at $461,159.20 each. Not a Closing Disclosure.