Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$162,232Cash toward the purchase price.
Closing costs + prepaids$12,268Not just lender fees.
Before credits & paid funds$174,500The complete starting cash picture.
Estimated remaining funds due at closing
$174,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,231.88
Your down payment$162,231.88
Closing costs + prepaids$12,267.82
Total buyer cash needed$174,499.71
Remaining funds due$174,499.71
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,438.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$477.25
Prepaid interest, first (31 days)$635.23
Fees + prepaids$12,267.82
Your down payment is the seller’s equity. You take over the $287,668 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $174,499.71 is due at closing. Uses and sources reconcile at $462,167.82 each. Not a Closing Disclosure.