Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$167,676Cash toward the purchase price.
Closing costs + prepaids$12,541Not just lender fees.
Before credits & paid funds$180,217The complete starting cash picture.
Estimated remaining funds due at closing
$180,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,676.27
Your down payment$167,676.27
Closing costs + prepaids$12,540.87
Total buyer cash needed$180,217.14
Remaining funds due$180,217.14
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,411.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$586.50
Initial HOA (3 months)$192.99
Prepaid interest, first (30 days)$633.26
Fees + prepaids$12,540.87
Your down payment is the seller’s equity. You take over the $282,224 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $180,217.14 is due at closing. Uses and sources reconcile at $462,440.87 each. Not a Closing Disclosure.