Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$175,838Cash toward the purchase price.
Closing costs + prepaids$12,489Not just lender fees.
Before credits & paid funds$188,328The complete starting cash picture.
Estimated remaining funds due at closing
$188,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,838.09
Your down payment$175,838.09
Closing costs + prepaids$12,489.44
Total buyer cash needed$188,327.53
Remaining funds due$188,327.53
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%)$4,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,395.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$433.00
Initial HOA (3 months)$150.00
Prepaid interest, first (23 days)$494.13
Fees + prepaids$12,489.44
Your down payment is the seller’s equity. You take over the $279,062 balance, so the rest of the $454,900 price is paid at closing. A second mortgage can cover part of it. $188,327.53 is due at closing. Uses and sources reconcile at $467,389.44 each. Not a Closing Disclosure.