Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$148,846Cash toward the purchase price.
Closing costs + prepaids$12,795Not just lender fees.
Before credits & paid funds$161,641The complete starting cash picture.
Estimated remaining funds due at closing
$161,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,846.01
Your down payment$148,846.01
Closing costs + prepaids$12,795.45
Total buyer cash needed$161,641.46
Remaining funds due$161,641.46
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%)$1,580.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.00
Initial HOA (3 months)$213.00
Prepaid interest, first (10 days)$325.68
Fees + prepaids$12,795.45
Your down payment is the seller’s equity. You take over the $316,154 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $161,641.46 is due at closing. Uses and sources reconcile at $477,795.45 each. Not a Closing Disclosure.