Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$116,349Cash toward the purchase price.
Closing costs + prepaids$12,625Not just lender fees.
Before credits & paid funds$128,974The complete starting cash picture.
Estimated remaining funds due at closing
$128,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,349.06
Your down payment$116,349.06
Closing costs + prepaids$12,625.20
Total buyer cash needed$128,974.26
Remaining funds due$128,974.26
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%)$1,743.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.00
Prepaid interest, first (7 days)$205.94
Fees + prepaids$12,625.20
Your down payment is the seller’s equity. You take over the $348,651 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $128,974.26 is due at closing. Uses and sources reconcile at $477,625.20 each. Not a Closing Disclosure.