Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$157,451Cash toward the purchase price.
Closing costs + prepaids$12,832Not just lender fees.
Before credits & paid funds$170,283The complete starting cash picture.
Estimated remaining funds due at closing
$170,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,451.26
Your down payment$157,451.26
Closing costs + prepaids$12,831.79
Total buyer cash needed$170,283.04
Remaining funds due$170,283.04
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%)$4,699.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,562.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$331.75
Initial HOA (3 months)$81.00
Prepaid interest, first (30 days)$688.44
Fees + prepaids$12,831.79
Your down payment is the seller’s equity. You take over the $312,539 balance, so the rest of the $469,990 price is paid at closing. A second mortgage can cover part of it. $170,283.04 is due at closing. Uses and sources reconcile at $482,821.79 each. Not a Closing Disclosure.