Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$180,005Cash toward the purchase price.
Closing costs + prepaids$12,099Not just lender fees.
Before credits & paid funds$192,104The complete starting cash picture.
Estimated remaining funds due at closing
$192,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,004.94
Your down payment$180,004.94
Closing costs + prepaids$12,099.03
Total buyer cash needed$192,103.97
Remaining funds due$192,103.97
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,374.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$4.25
Prepaid interest, first (27 days)$701.80
Fees + prepaids$12,099.03
Your down payment is the seller’s equity. You take over the $274,995 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $192,103.97 is due at closing. Uses and sources reconcile at $467,099.03 each. Not a Closing Disclosure.