Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$124,099Cash toward the purchase price.
Closing costs + prepaids$12,009Not just lender fees.
Before credits & paid funds$136,108The complete starting cash picture.
Estimated remaining funds due at closing
$136,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,098.88
Your down payment$124,098.88
Closing costs + prepaids$12,009.33
Total buyer cash needed$136,108.21
Remaining funds due$136,108.21
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,679.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$135.75
Prepaid interest, first (2 days)$126.08
Fees + prepaids$12,009.33
Your down payment is the seller’s equity. You take over the $335,901 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $136,108.21 is due at closing. Uses and sources reconcile at $472,009.33 each. Not a Closing Disclosure.