Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$172,149Cash toward the purchase price.
Closing costs + prepaids$12,807Not just lender fees.
Before credits & paid funds$184,956The complete starting cash picture.
Estimated remaining funds due at closing
$184,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,149.18
Your down payment$172,149.18
Closing costs + prepaids$12,807.02
Total buyer cash needed$184,956.20
Remaining funds due$184,956.20
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,464.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$710.50
Initial HOA (3 months)$465.00
Prepaid interest, first (2 days)$49.26
Fees + prepaids$12,807.02
Your down payment is the seller’s equity. You take over the $292,851 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $184,956.20 is due at closing. Uses and sources reconcile at $477,807.02 each. Not a Closing Disclosure.