Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$115,467Cash toward the purchase price.
Closing costs + prepaids$12,953Not just lender fees.
Before credits & paid funds$128,420The complete starting cash picture.
Estimated remaining funds due at closing
$128,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,466.76
Your down payment$115,466.76
Closing costs + prepaids$12,953.33
Total buyer cash needed$128,420.09
Remaining funds due$128,420.09
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,667.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$215.75
Prepaid interest, first (27 days)$1,361.91
Fees + prepaids$12,953.33
Your down payment is the seller’s equity. You take over the $333,533 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $128,420.09 is due at closing. Uses and sources reconcile at $461,953.33 each. Not a Closing Disclosure.