Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$173,492Cash toward the purchase price.
Closing costs + prepaids$17,875Not just lender fees.
Before credits & paid funds$191,367The complete starting cash picture.
Estimated remaining funds due at closing
$191,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,492.34
Your down payment$173,492.34
Closing costs + prepaids$17,874.74
Total buyer cash needed$191,367.08
Remaining funds due$191,367.08
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,627.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Initial HOA (3 months)$3,204.00
Prepaid interest, first (24 days)$1,337.70
Fees + prepaids$17,874.74
Your down payment is the seller’s equity. You take over the $325,508 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $191,367.08 is due at closing. Uses and sources reconcile at $516,874.74 each. Not a Closing Disclosure.