Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$165,846Cash toward the purchase price.
Closing costs + prepaids$13,382Not just lender fees.
Before credits & paid funds$179,228The complete starting cash picture.
Estimated remaining funds due at closing
$179,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,846.23
Your down payment$165,846.23
Closing costs + prepaids$13,381.94
Total buyer cash needed$179,228.17
Remaining funds due$179,228.17
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%)$1,420.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,182.50
Initial HOA (3 months)$294.99
Prepaid interest, first (31 days)$767.18
Fees + prepaids$13,381.94
Your down payment is the seller’s equity. You take over the $284,054 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $179,228.17 is due at closing. Uses and sources reconcile at $463,281.94 each. Not a Closing Disclosure.