Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$155,394Cash toward the purchase price.
Closing costs + prepaids$12,739Not just lender fees.
Before credits & paid funds$168,133The complete starting cash picture.
Estimated remaining funds due at closing
$168,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,393.83
Your down payment$155,393.83
Closing costs + prepaids$12,739.48
Total buyer cash needed$168,133.32
Remaining funds due$168,133.32
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%)$1,523.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$545.25
Prepaid interest, first (26 days)$603.20
Fees + prepaids$12,739.48
Your down payment is the seller’s equity. You take over the $304,606 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $168,133.32 is due at closing. Uses and sources reconcile at $472,739.48 each. Not a Closing Disclosure.