Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$168,400Cash toward the purchase price.
Closing costs + prepaids$12,880Not just lender fees.
Before credits & paid funds$181,279The complete starting cash picture.
Estimated remaining funds due at closing
$181,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,399.71
Your down payment$168,399.71
Closing costs + prepaids$12,879.53
Total buyer cash needed$181,279.24
Remaining funds due$181,279.24
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,433.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$476.25
Initial HOA (3 months)$75.99
Prepaid interest, first (31 days)$876.29
Fees + prepaids$12,879.53
Your down payment is the seller’s equity. You take over the $286,600 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $181,279.24 is due at closing. Uses and sources reconcile at $467,879.53 each. Not a Closing Disclosure.