Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$127,921Cash toward the purchase price.
Closing costs + prepaids$12,137Not just lender fees.
Before credits & paid funds$140,058The complete starting cash picture.
Estimated remaining funds due at closing
$140,058No 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$12,137.17
Total buyer cash needed$140,058.37
Remaining funds due$140,058.37
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 (1 days)$60.03
Fees + prepaids$12,137.17
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. $140,058.37 is due at closing. Uses and sources reconcile at $477,137.17 each. Not a Closing Disclosure.