Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$184,637Cash toward the purchase price.
Closing costs + prepaids$12,770Not just lender fees.
Before credits & paid funds$197,407The complete starting cash picture.
Estimated remaining funds due at closing
$197,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,636.63
Your down payment$184,636.63
Closing costs + prepaids$12,770.20
Total buyer cash needed$197,406.83
Remaining funds due$197,406.83
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%)$1,351.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$437.50
Initial HOA (3 months)$37.50
Prepaid interest, first (31 days)$925.38
Fees + prepaids$12,770.20
Your down payment is the seller’s equity. You take over the $270,363 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $197,406.83 is due at closing. Uses and sources reconcile at $467,770.20 each. Not a Closing Disclosure.