Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$146,963Cash toward the purchase price.
Closing costs + prepaids$13,527Not just lender fees.
Before credits & paid funds$160,490The complete starting cash picture.
Estimated remaining funds due at closing
$160,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,963.02
Your down payment$146,963.02
Closing costs + prepaids$13,527.39
Total buyer cash needed$160,490.40
Remaining funds due$160,490.40
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%)$4,648.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,589.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$593.00
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$958.45
Fees + prepaids$13,527.39
Your down payment is the seller’s equity. You take over the $317,887 balance, so the rest of the $464,850 price is paid at closing. A second mortgage can cover part of it. $160,490.40 is due at closing. Uses and sources reconcile at $478,377.39 each. Not a Closing Disclosure.