Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$143,575Cash toward the purchase price.
Closing costs + prepaids$13,619Not just lender fees.
Before credits & paid funds$157,194The complete starting cash picture.
Estimated remaining funds due at closing
$157,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,574.82
Your down payment$143,574.82
Closing costs + prepaids$13,619.16
Total buyer cash needed$157,193.97
Remaining funds due$157,193.97
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,707.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$851.50
Prepaid interest, first (27 days)$742.53
Fees + prepaids$13,619.16
Your down payment is the seller’s equity. You take over the $341,425 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $157,193.97 is due at closing. Uses and sources reconcile at $498,619.16 each. Not a Closing Disclosure.