Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$168,214Cash toward the purchase price.
Closing costs + prepaids$12,253Not just lender fees.
Before credits & paid funds$180,467The complete starting cash picture.
Estimated remaining funds due at closing
$180,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,214.01
Your down payment$168,214.01
Closing costs + prepaids$12,253.25
Total buyer cash needed$180,467.25
Remaining funds due$180,467.25
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,453.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$172.75
Initial HOA (3 months)$50.01
Prepaid interest, first (23 days)$518.56
Fees + prepaids$12,253.25
Your down payment is the seller’s equity. You take over the $290,786 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $180,467.25 is due at closing. Uses and sources reconcile at $471,253.25 each. Not a Closing Disclosure.