Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$161,844Cash toward the purchase price.
Closing costs + prepaids$11,957Not just lender fees.
Before credits & paid funds$173,801The complete starting cash picture.
Estimated remaining funds due at closing
$173,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,843.68
Your down payment$161,843.68
Closing costs + prepaids$11,957.41
Total buyer cash needed$173,801.09
Remaining funds due$173,801.09
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,440.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$246.00
Prepaid interest, first (25 days)$552.63
Fees + prepaids$11,957.41
Your down payment is the seller’s equity. You take over the $288,156 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $173,801.09 is due at closing. Uses and sources reconcile at $461,957.41 each. Not a Closing Disclosure.