Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$139,002Cash toward the purchase price.
Closing costs + prepaids$12,970Not just lender fees.
Before credits & paid funds$151,971The complete starting cash picture.
Estimated remaining funds due at closing
$151,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,001.66
Your down payment$139,001.66
Closing costs + prepaids$12,969.80
Total buyer cash needed$151,971.46
Remaining funds due$151,971.46
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%)$1,629.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,162.50
Prepaid interest, first (1 days)$59.30
Fees + prepaids$12,969.80
Your down payment is the seller’s equity. You take over the $325,998 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $151,971.46 is due at closing. Uses and sources reconcile at $477,969.80 each. Not a Closing Disclosure.