Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$145,560Cash toward the purchase price.
Closing costs + prepaids$14,377Not just lender fees.
Before credits & paid funds$159,937The complete starting cash picture.
Estimated remaining funds due at closing
$159,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,560.07
Your down payment$145,560.07
Closing costs + prepaids$14,377.16
Total buyer cash needed$159,937.23
Remaining funds due$159,937.23
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,572.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.00
Initial HOA (3 months)$888.00
Prepaid interest, first (23 days)$536.96
Fees + prepaids$14,377.16
Your down payment is the seller’s equity. You take over the $314,440 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $159,937.23 is due at closing. Uses and sources reconcile at $474,377.16 each. Not a Closing Disclosure.