Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$168,022Cash toward the purchase price.
Closing costs + prepaids$12,654Not just lender fees.
Before credits & paid funds$180,677The complete starting cash picture.
Estimated remaining funds due at closing
$180,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,022.44
Your down payment$168,022.44
Closing costs + prepaids$12,654.27
Total buyer cash needed$180,676.71
Remaining funds due$180,676.71
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%)$1,409.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$641.75
Initial HOA (3 months)$10.50
Prepaid interest, first (31 days)$874.13
Fees + prepaids$12,654.27
Your down payment is the seller’s equity. You take over the $281,978 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $180,676.71 is due at closing. Uses and sources reconcile at $462,654.27 each. Not a Closing Disclosure.