Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$167,201Cash toward the purchase price.
Closing costs + prepaids$12,839Not just lender fees.
Before credits & paid funds$180,040The complete starting cash picture.
Estimated remaining funds due at closing
$180,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,201.33
Your down payment$167,201.33
Closing costs + prepaids$12,838.62
Total buyer cash needed$180,039.95
Remaining funds due$180,039.95
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%)$1,413.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,518.25
Initial HOA (3 months)$144.99
Prepaid interest, first (2 days)$43.39
Fees + prepaids$12,838.62
Your down payment is the seller’s equity. You take over the $282,799 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $180,039.95 is due at closing. Uses and sources reconcile at $462,838.62 each. Not a Closing Disclosure.