Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$148,049Cash toward the purchase price.
Closing costs + prepaids$12,494Not just lender fees.
Before credits & paid funds$160,543The complete starting cash picture.
Estimated remaining funds due at closing
$160,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,049.29
Your down payment$148,049.29
Closing costs + prepaids$12,494.03
Total buyer cash needed$160,543.32
Remaining funds due$160,543.32
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%)$1,509.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$604.00
Initial HOA (3 months)$135.00
Prepaid interest, first (23 days)$528.78
Fees + prepaids$12,494.03
Your down payment is the seller’s equity. You take over the $301,851 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $160,543.32 is due at closing. Uses and sources reconcile at $462,394.03 each. Not a Closing Disclosure.