Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$149,671Cash toward the purchase price.
Closing costs + prepaids$12,714Not just lender fees.
Before credits & paid funds$162,385The complete starting cash picture.
Estimated remaining funds due at closing
$162,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,671.19
Your down payment$149,671.19
Closing costs + prepaids$12,713.86
Total buyer cash needed$162,385.05
Remaining funds due$162,385.05
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,551.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$396.25
Initial HOA (3 months)$198.00
Prepaid interest, first (20 days)$501.47
Fees + prepaids$12,713.86
Your down payment is the seller’s equity. You take over the $310,229 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $162,385.05 is due at closing. Uses and sources reconcile at $472,613.86 each. Not a Closing Disclosure.