Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$118,477Cash toward the purchase price.
Closing costs + prepaids$13,405Not just lender fees.
Before credits & paid funds$131,882The complete starting cash picture.
Estimated remaining funds due at closing
$131,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,476.64
Your down payment$118,476.64
Closing costs + prepaids$13,405.22
Total buyer cash needed$131,881.86
Remaining funds due$131,881.86
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%)$1,707.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$575.00
Prepaid interest, first (17 days)$1,054.61
Fees + prepaids$13,405.22
Your down payment is the seller’s equity. You take over the $341,523 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $131,881.86 is due at closing. Uses and sources reconcile at $473,405.22 each. Not a Closing Disclosure.