Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$170,669Cash toward the purchase price.
Closing costs + prepaids$12,540Not just lender fees.
Before credits & paid funds$183,209The complete starting cash picture.
Estimated remaining funds due at closing
$183,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,668.60
Your down payment$170,668.60
Closing costs + prepaids$12,540.18
Total buyer cash needed$183,208.77
Remaining funds due$183,208.77
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%)$4,489.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,391.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$566.00
Initial HOA (3 months)$225.00
Prepaid interest, first (30 days)$649.67
Fees + prepaids$12,540.18
Your down payment is the seller’s equity. You take over the $278,321 balance, so the rest of the $448,990 price is paid at closing. A second mortgage can cover part of it. $183,208.77 is due at closing. Uses and sources reconcile at $461,530.18 each. Not a Closing Disclosure.