Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$160,250Cash toward the purchase price.
Closing costs + prepaids$11,265Not just lender fees.
Before credits & paid funds$171,514The complete starting cash picture.
Estimated remaining funds due at closing
$171,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,249.93
Your down payment$160,249.93
Closing costs + prepaids$11,264.57
Total buyer cash needed$171,514.49
Remaining funds due$171,514.49
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,448.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$52.25
Prepaid interest, first (2 days)$45.57
Fees + prepaids$11,264.57
Your down payment is the seller’s equity. You take over the $289,750 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $171,514.49 is due at closing. Uses and sources reconcile at $461,264.57 each. Not a Closing Disclosure.