Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$162,551Cash toward the purchase price.
Closing costs + prepaids$13,378Not just lender fees.
Before credits & paid funds$175,928The complete starting cash picture.
Estimated remaining funds due at closing
$175,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,550.62
Your down payment$162,550.62
Closing costs + prepaids$13,377.80
Total buyer cash needed$175,928.42
Remaining funds due$175,928.42
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,687.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$368.50
Prepaid interest, first (31 days)$854.07
Fees + prepaids$13,377.80
Your down payment is the seller’s equity. You take over the $337,448 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $175,928.42 is due at closing. Uses and sources reconcile at $513,376.80 each. Not a Closing Disclosure.