Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$167,520Cash toward the purchase price.
Closing costs + prepaids$11,985Not just lender fees.
Before credits & paid funds$179,505The complete starting cash picture.
Estimated remaining funds due at closing
$179,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,519.79
Your down payment$167,519.79
Closing costs + prepaids$11,985.34
Total buyer cash needed$179,505.13
Remaining funds due$179,505.13
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,407.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$453.50
Prepaid interest, first (24 days)$416.44
Fees + prepaids$11,985.34
Your down payment is the seller’s equity. You take over the $281,480 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $179,505.13 is due at closing. Uses and sources reconcile at $460,985.34 each. Not a Closing Disclosure.