Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$165,638Cash toward the purchase price.
Closing costs + prepaids$13,493Not just lender fees.
Before credits & paid funds$179,131The complete starting cash picture.
Estimated remaining funds due at closing
$179,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,638.20
Your down payment$165,638.20
Closing costs + prepaids$13,492.72
Total buyer cash needed$179,130.92
Remaining funds due$179,130.92
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,646.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$812.50
Prepaid interest, first (22 days)$615.41
Fees + prepaids$13,492.72
Your down payment is the seller’s equity. You take over the $329,362 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $179,130.92 is due at closing. Uses and sources reconcile at $508,492.72 each. Not a Closing Disclosure.