Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$126,072Cash toward the purchase price.
Closing costs + prepaids$12,100Not just lender fees.
Before credits & paid funds$138,172The complete starting cash picture.
Estimated remaining funds due at closing
$138,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,071.78
Your down payment$126,071.78
Closing costs + prepaids$12,100.36
Total buyer cash needed$138,172.14
Remaining funds due$138,172.14
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%)$1,669.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$331.75
Prepaid interest, first (1 days)$32.47
Fees + prepaids$12,100.36
Your down payment is the seller’s equity. You take over the $333,828 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $138,172.14 is due at closing. Uses and sources reconcile at $472,000.36 each. Not a Closing Disclosure.