Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$167,821Cash toward the purchase price.
Closing costs + prepaids$12,945Not just lender fees.
Before credits & paid funds$180,766The complete starting cash picture.
Estimated remaining funds due at closing
$180,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,820.90
Your down payment$167,820.90
Closing costs + prepaids$12,945.34
Total buyer cash needed$180,766.24
Remaining funds due$180,766.24
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%)$4,459.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,390.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,114.75
Initial HOA (3 months)$60.00
Prepaid interest, first (26 days)$703.20
Fees + prepaids$12,945.34
Your down payment is the seller’s equity. You take over the $278,079 balance, so the rest of the $445,900 price is paid at closing. A second mortgage can cover part of it. $180,766.24 is due at closing. Uses and sources reconcile at $458,845.34 each. Not a Closing Disclosure.