Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$148,846Cash toward the purchase price.
Closing costs + prepaids$13,275Not just lender fees.
Before credits & paid funds$162,121The complete starting cash picture.
Estimated remaining funds due at closing
$162,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,846.01
Your down payment$148,846.01
Closing costs + prepaids$13,275.36
Total buyer cash needed$162,121.37
Remaining funds due$162,121.37
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,580.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$484.25
Initial HOA (3 months)$213.00
Prepaid interest, first (27 days)$879.34
Fees + prepaids$13,275.36
Your down payment is the seller’s equity. You take over the $316,154 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $162,121.37 is due at closing. Uses and sources reconcile at $478,275.36 each. Not a Closing Disclosure.