Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$127,921Cash toward the purchase price.
Closing costs + prepaids$12,197Not just lender fees.
Before credits & paid funds$140,118The complete starting cash picture.
Estimated remaining funds due at closing
$140,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,921.20
Your down payment$127,921.20
Closing costs + prepaids$12,197.20
Total buyer cash needed$140,118.40
Remaining funds due$140,118.40
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%)$1,685.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$273.75
Prepaid interest, first (2 days)$120.06
Fees + prepaids$12,197.20
Your down payment is the seller’s equity. You take over the $337,079 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $140,118.40 is due at closing. Uses and sources reconcile at $477,197.20 each. Not a Closing Disclosure.