Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$167,652Cash toward the purchase price.
Closing costs + prepaids$13,325Not just lender fees.
Before credits & paid funds$180,976The complete starting cash picture.
Estimated remaining funds due at closing
$180,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,651.63
Your down payment$167,651.63
Closing costs + prepaids$13,324.55
Total buyer cash needed$180,976.18
Remaining funds due$180,976.18
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,336.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,898.00
Prepaid interest, first (26 days)$521.81
Fees + prepaids$13,324.55
Your down payment is the seller’s equity. You take over the $267,348 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $180,976.18 is due at closing. Uses and sources reconcile at $448,324.55 each. Not a Closing Disclosure.