Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$148,675Cash toward the purchase price.
Closing costs + prepaids$12,967Not just lender fees.
Before credits & paid funds$161,642The complete starting cash picture.
Estimated remaining funds due at closing
$161,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,675.19
Your down payment$148,675.19
Closing costs + prepaids$12,967.16
Total buyer cash needed$161,642.35
Remaining funds due$161,642.35
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,506.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,124.75
Prepaid interest, first (28 days)$619.29
Fees + prepaids$12,967.16
Your down payment is the seller’s equity. You take over the $301,225 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $161,642.35 is due at closing. Uses and sources reconcile at $462,867.16 each. Not a Closing Disclosure.