Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$180,663Cash toward the purchase price.
Closing costs + prepaids$11,816Not just lender fees.
Before credits & paid funds$192,479The complete starting cash picture.
Estimated remaining funds due at closing
$192,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,663.35
Your down payment$180,663.35
Closing costs + prepaids$11,815.77
Total buyer cash needed$192,479.12
Remaining funds due$192,479.12
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%)$1,341.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$447.75
Initial HOA (3 months)$294.00
Prepaid interest, first (1 days)$24.33
Fees + prepaids$11,815.77
Your down payment is the seller’s equity. You take over the $268,337 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $192,479.12 is due at closing. Uses and sources reconcile at $460,815.77 each. Not a Closing Disclosure.