Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$126,751Cash toward the purchase price.
Closing costs + prepaids$12,609Not just lender fees.
Before credits & paid funds$139,359The complete starting cash picture.
Estimated remaining funds due at closing
$139,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,750.67
Your down payment$126,750.67
Closing costs + prepaids$12,608.77
Total buyer cash needed$139,359.44
Remaining funds due$139,359.44
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,665.75
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 (10 days)$324.02
Fees + prepaids$12,608.77
Your down payment is the seller’s equity. You take over the $333,149 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $139,359.44 is due at closing. Uses and sources reconcile at $472,508.77 each. Not a Closing Disclosure.