Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$161,964Cash toward the purchase price.
Closing costs + prepaids$12,100Not just lender fees.
Before credits & paid funds$174,064The complete starting cash picture.
Estimated remaining funds due at closing
$174,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,963.54
Your down payment$161,963.54
Closing costs + prepaids$12,100.22
Total buyer cash needed$174,063.76
Remaining funds due$174,063.76
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%)$1,439.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1.00
Initial HOA (3 months)$260.01
Prepaid interest, first (28 days)$682.53
Fees + prepaids$12,100.22
Your down payment is the seller’s equity. You take over the $287,936 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $174,063.76 is due at closing. Uses and sources reconcile at $462,000.22 each. Not a Closing Disclosure.