Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$122,507Cash toward the purchase price.
Closing costs + prepaids$12,396Not just lender fees.
Before credits & paid funds$134,903The complete starting cash picture.
Estimated remaining funds due at closing
$134,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,506.85
Your down payment$122,506.85
Closing costs + prepaids$12,396.00
Total buyer cash needed$134,902.85
Remaining funds due$134,902.85
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%)$1,726.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$390.50
Prepaid interest, first (2 days)$131.53
Fees + prepaids$12,396.00
Your down payment is the seller’s equity. You take over the $345,393 balance, so the rest of the $467,900 price is paid at closing. A second mortgage can cover part of it. $134,902.85 is due at closing. Uses and sources reconcile at $480,296.00 each. Not a Closing Disclosure.