Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$133,490Cash toward the purchase price.
Closing costs + prepaids$12,935Not just lender fees.
Before credits & paid funds$146,425The complete starting cash picture.
Estimated remaining funds due at closing
$146,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,489.85
Your down payment$133,489.85
Closing costs + prepaids$12,935.27
Total buyer cash needed$146,425.12
Remaining funds due$146,425.12
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%)$1,632.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$552.00
Prepaid interest, first (12 days)$682.72
Fees + prepaids$12,935.27
Your down payment is the seller’s equity. You take over the $326,510 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $146,425.12 is due at closing. Uses and sources reconcile at $472,935.27 each. Not a Closing Disclosure.