Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$101,853Cash toward the purchase price.
Closing costs + prepaids$14,431Not just lender fees.
Before credits & paid funds$116,284The complete starting cash picture.
Estimated remaining funds due at closing
$116,284No 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$14,430.85
Total buyer cash needed$116,284.27
Remaining funds due$116,284.27
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 (31 days)$2,044.86
Fees + prepaids$14,430.85
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. $116,284.27 is due at closing. Uses and sources reconcile at $479,430.85 each. Not a Closing Disclosure.