Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$176,038Cash toward the purchase price.
Closing costs + prepaids$12,909Not just lender fees.
Before credits & paid funds$188,947The complete starting cash picture.
Estimated remaining funds due at closing
$188,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,037.64
Your down payment$176,037.64
Closing costs + prepaids$12,909.04
Total buyer cash needed$188,946.67
Remaining funds due$188,946.67
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%)$1,414.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$802.00
Prepaid interest, first (27 days)$634.22
Fees + prepaids$12,909.04
Your down payment is the seller’s equity. You take over the $282,962 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $188,946.67 is due at closing. Uses and sources reconcile at $471,909.04 each. Not a Closing Disclosure.