Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$128,250Cash toward the purchase price.
Closing costs + prepaids$13,275Not just lender fees.
Before credits & paid funds$141,525The complete starting cash picture.
Estimated remaining funds due at closing
$141,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,250.01
Your down payment$128,250.01
Closing costs + prepaids$13,274.88
Total buyer cash needed$141,524.89
Remaining funds due$141,524.89
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%)$1,683.75
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 (20 days)$1,199.38
Fees + prepaids$13,274.88
Your down payment is the seller’s equity. You take over the $336,750 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $141,524.89 is due at closing. Uses and sources reconcile at $478,274.88 each. Not a Closing Disclosure.