Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$152,477Cash toward the purchase price.
Closing costs + prepaids$14,481Not just lender fees.
Before credits & paid funds$166,958The complete starting cash picture.
Estimated remaining funds due at closing
$166,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,477.03
Your down payment$152,477.03
Closing costs + prepaids$14,480.97
Total buyer cash needed$166,958.00
Remaining funds due$166,958.00
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,562.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,470.25
Initial HOA (3 months)$64.26
Prepaid interest, first (24 days)$1,265.85
Fees + prepaids$14,480.97
Your down payment is the seller’s equity. You take over the $312,523 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $166,958.00 is due at closing. Uses and sources reconcile at $479,480.97 each. Not a Closing Disclosure.