Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$122,861Cash toward the purchase price.
Closing costs + prepaids$13,091Not just lender fees.
Before credits & paid funds$135,952The complete starting cash picture.
Estimated remaining funds due at closing
$135,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,861.08
Your down payment$122,861.08
Closing costs + prepaids$13,090.69
Total buyer cash needed$135,951.77
Remaining funds due$135,951.77
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%)$4,679.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,725.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$561.50
Prepaid interest, first (10 days)$656.99
Fees + prepaids$13,090.69
Your down payment is the seller’s equity. You take over the $345,039 balance, so the rest of the $467,900 price is paid at closing. A second mortgage can cover part of it. $135,951.77 is due at closing. Uses and sources reconcile at $480,990.69 each. Not a Closing Disclosure.