Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$148,968Cash toward the purchase price.
Closing costs + prepaids$13,939Not just lender fees.
Before credits & paid funds$162,907The complete starting cash picture.
Estimated remaining funds due at closing
$162,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,968.04
Your down payment$148,968.04
Closing costs + prepaids$13,939.24
Total buyer cash needed$162,907.28
Remaining funds due$162,907.28
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%)$4,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,755.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$433.25
Initial HOA (3 months)$165.00
Prepaid interest, first (31 days)$1,117.98
Fees + prepaids$13,939.24
Your down payment is the seller’s equity. You take over the $351,022 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $162,907.28 is due at closing. Uses and sources reconcile at $513,929.24 each. Not a Closing Disclosure.