Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$168,748Cash toward the purchase price.
Closing costs + prepaids$13,039Not just lender fees.
Before credits & paid funds$181,788The complete starting cash picture.
Estimated remaining funds due at closing
$181,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,748.22
Your down payment$168,748.22
Closing costs + prepaids$13,039.48
Total buyer cash needed$181,787.71
Remaining funds due$181,787.71
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,481.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$842.75
Initial HOA (3 months)$60.00
Prepaid interest, first (22 days)$537.47
Fees + prepaids$13,039.48
Your down payment is the seller’s equity. You take over the $296,252 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $181,787.71 is due at closing. Uses and sources reconcile at $478,039.48 each. Not a Closing Disclosure.