Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$171,967Cash toward the purchase price.
Closing costs + prepaids$12,321Not just lender fees.
Before credits & paid funds$184,287The complete starting cash picture.
Estimated remaining funds due at closing
$184,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,966.71
Your down payment$171,966.71
Closing costs + prepaids$12,320.75
Total buyer cash needed$184,287.46
Remaining funds due$184,287.46
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,390.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,125.00
Initial HOA (3 months)$39.99
Prepaid interest, first (2 days)$47.61
Fees + prepaids$12,320.75
Your down payment is the seller’s equity. You take over the $278,032 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $184,287.46 is due at closing. Uses and sources reconcile at $462,319.75 each. Not a Closing Disclosure.