Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$163,479Cash toward the purchase price.
Closing costs + prepaids$13,030Not just lender fees.
Before credits & paid funds$176,508The complete starting cash picture.
Estimated remaining funds due at closing
$176,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,478.72
Your down payment$163,478.72
Closing costs + prepaids$13,029.67
Total buyer cash needed$176,508.39
Remaining funds due$176,508.39
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,527.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$717.50
Initial HOA (3 months)$50.01
Prepaid interest, first (24 days)$576.56
Fees + prepaids$13,029.67
Your down payment is the seller’s equity. You take over the $305,521 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $176,508.39 is due at closing. Uses and sources reconcile at $482,029.67 each. Not a Closing Disclosure.