Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$122,507Cash toward the purchase price.
Closing costs + prepaids$12,330Not just lender fees.
Before credits & paid funds$134,837The complete starting cash picture.
Estimated remaining funds due at closing
$134,837No 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$12,330.23
Total buyer cash needed$134,837.08
Remaining funds due$134,837.08
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 (1 days)$65.77
Fees + prepaids$12,330.23
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. $134,837.08 is due at closing. Uses and sources reconcile at $480,230.23 each. Not a Closing Disclosure.