Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$167,953Cash toward the purchase price.
Closing costs + prepaids$13,533Not just lender fees.
Before credits & paid funds$181,486The complete starting cash picture.
Estimated remaining funds due at closing
$181,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,952.86
Your down payment$167,952.86
Closing costs + prepaids$13,532.85
Total buyer cash needed$181,485.71
Remaining funds due$181,485.71
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,435.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,092.25
Initial HOA (3 months)$440.01
Prepaid interest, first (24 days)$547.36
Fees + prepaids$13,532.85
Your down payment is the seller’s equity. You take over the $287,047 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $181,485.71 is due at closing. Uses and sources reconcile at $468,532.85 each. Not a Closing Disclosure.