Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$146,840Cash toward the purchase price.
Closing costs + prepaids$14,675Not just lender fees.
Before credits & paid funds$161,515The complete starting cash picture.
Estimated remaining funds due at closing
$161,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,839.70
Your down payment$146,839.70
Closing costs + prepaids$14,675.17
Total buyer cash needed$161,514.87
Remaining funds due$161,514.87
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%)$1,765.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$491.75
Prepaid interest, first (31 days)$1,949.63
Fees + prepaids$14,675.17
Your down payment is the seller’s equity. You take over the $353,159 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $161,514.87 is due at closing. Uses and sources reconcile at $514,674.17 each. Not a Closing Disclosure.