Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$165,846Cash toward the purchase price.
Closing costs + prepaids$13,184Not just lender fees.
Before credits & paid funds$179,030The complete starting cash picture.
Estimated remaining funds due at closing
$179,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,846.23
Your down payment$165,846.23
Closing costs + prepaids$13,183.96
Total buyer cash needed$179,030.19
Remaining funds due$179,030.19
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%)$1,420.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,182.50
Initial HOA (3 months)$294.99
Prepaid interest, first (23 days)$569.20
Fees + prepaids$13,183.96
Your down payment is the seller’s equity. You take over the $284,054 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $179,030.19 is due at closing. Uses and sources reconcile at $463,083.96 each. Not a Closing Disclosure.