Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$101,507Cash toward the purchase price.
Closing costs + prepaids$12,454Not just lender fees.
Before credits & paid funds$113,961The complete starting cash picture.
Estimated remaining funds due at closing
$113,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,507.36
Your down payment$101,507.36
Closing costs + prepaids$12,453.74
Total buyer cash needed$113,961.10
Remaining funds due$113,961.10
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%)$1,817.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$452.25
Prepaid interest, first (1 days)$66.03
Fees + prepaids$12,453.74
Your down payment is the seller’s equity. You take over the $363,493 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $113,961.10 is due at closing. Uses and sources reconcile at $477,453.74 each. Not a Closing Disclosure.