Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$154,232Cash toward the purchase price.
Closing costs + prepaids$13,000Not just lender fees.
Before credits & paid funds$167,232The complete starting cash picture.
Estimated remaining funds due at closing
$167,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,232.33
Your down payment$154,232.33
Closing costs + prepaids$12,999.86
Total buyer cash needed$167,232.19
Remaining funds due$167,232.19
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%)$1,473.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$713.25
Prepaid interest, first (20 days)$1,104.77
Fees + prepaids$12,999.86
Your down payment is the seller’s equity. You take over the $294,768 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $167,232.19 is due at closing. Uses and sources reconcile at $461,999.86 each. Not a Closing Disclosure.