Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$158,964Cash toward the purchase price.
Closing costs + prepaids$13,948Not just lender fees.
Before credits & paid funds$172,912The complete starting cash picture.
Estimated remaining funds due at closing
$172,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,964.23
Your down payment$158,964.23
Closing costs + prepaids$13,947.75
Total buyer cash needed$172,911.98
Remaining funds due$172,911.98
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,750.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$844.75
Prepaid interest, first (28 days)$794.82
Fees + prepaids$13,947.75
Your down payment is the seller’s equity. You take over the $350,036 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $172,911.98 is due at closing. Uses and sources reconcile at $522,947.75 each. Not a Closing Disclosure.