Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$163,479Cash toward the purchase price.
Closing costs + prepaids$12,587Not just lender fees.
Before credits & paid funds$176,065The complete starting cash picture.
Estimated remaining funds due at closing
$176,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,478.72
Your down payment$163,478.72
Closing costs + prepaids$12,586.64
Total buyer cash needed$176,065.36
Remaining funds due$176,065.36
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,527.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.75
Initial HOA (3 months)$50.01
Prepaid interest, first (12 days)$288.28
Fees + prepaids$12,586.64
Your down payment is the seller’s equity. You take over the $305,521 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $176,065.36 is due at closing. Uses and sources reconcile at $481,586.64 each. Not a Closing Disclosure.