Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$149,985Cash toward the purchase price.
Closing costs + prepaids$14,090Not just lender fees.
Before credits & paid funds$164,075The complete starting cash picture.
Estimated remaining funds due at closing
$164,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,984.97
Your down payment$149,984.97
Closing costs + prepaids$14,089.94
Total buyer cash needed$164,074.91
Remaining funds due$164,074.91
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%)$1,675.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,422.25
Prepaid interest, first (25 days)$674.62
Fees + prepaids$14,089.94
Your down payment is the seller’s equity. You take over the $335,015 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $164,074.91 is due at closing. Uses and sources reconcile at $499,089.94 each. Not a Closing Disclosure.