Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$175,695Cash toward the purchase price.
Closing costs + prepaids$12,377Not just lender fees.
Before credits & paid funds$188,072The complete starting cash picture.
Estimated remaining funds due at closing
$188,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,694.55
Your down payment$175,694.55
Closing costs + prepaids$12,377.19
Total buyer cash needed$188,071.73
Remaining funds due$188,071.73
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,371.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,147.50
Prepaid interest, first (5 days)$140.16
Fees + prepaids$12,377.19
Your down payment is the seller’s equity. You take over the $274,305 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $188,071.73 is due at closing. Uses and sources reconcile at $462,377.19 each. Not a Closing Disclosure.