Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$170,641Cash toward the purchase price.
Closing costs + prepaids$13,897Not just lender fees.
Before credits & paid funds$184,538The complete starting cash picture.
Estimated remaining funds due at closing
$184,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,640.93
Your down payment$170,640.93
Closing costs + prepaids$13,896.71
Total buyer cash needed$184,537.64
Remaining funds due$184,537.64
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%)$1,471.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,694.00
Prepaid interest, first (25 days)$612.91
Fees + prepaids$13,896.71
Your down payment is the seller’s equity. You take over the $294,359 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $184,537.64 is due at closing. Uses and sources reconcile at $478,896.71 each. Not a Closing Disclosure.