Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$172,261Cash toward the purchase price.
Closing costs + prepaids$11,981Not just lender fees.
Before credits & paid funds$184,243The complete starting cash picture.
Estimated remaining funds due at closing
$184,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,261.49
Your down payment$172,261.49
Closing costs + prepaids$11,981.10
Total buyer cash needed$184,242.58
Remaining funds due$184,242.58
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,488.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$276.00
Prepaid interest, first (2 days)$49.91
Fees + prepaids$11,981.10
Your down payment is the seller’s equity. You take over the $297,639 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $184,242.58 is due at closing. Uses and sources reconcile at $481,881.10 each. Not a Closing Disclosure.