Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$156,879Cash toward the purchase price.
Closing costs + prepaids$13,549Not just lender fees.
Before credits & paid funds$170,427The complete starting cash picture.
Estimated remaining funds due at closing
$170,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,878.67
Your down payment$156,878.67
Closing costs + prepaids$13,548.62
Total buyer cash needed$170,427.29
Remaining funds due$170,427.29
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,615.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$890.25
Initial HOA (3 months)$168.00
Prepaid interest, first (23 days)$606.76
Fees + prepaids$13,548.62
Your down payment is the seller’s equity. You take over the $323,121 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $170,427.29 is due at closing. Uses and sources reconcile at $493,548.62 each. Not a Closing Disclosure.