Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$160,237Cash toward the purchase price.
Closing costs + prepaids$15,185Not just lender fees.
Before credits & paid funds$175,422The complete starting cash picture.
Estimated remaining funds due at closing
$175,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,237.00
Your down payment$160,237.00
Closing costs + prepaids$15,184.73
Total buyer cash needed$175,421.73
Remaining funds due$175,421.73
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,698.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,250.00
Initial HOA (3 months)$1,215.00
Prepaid interest, first (27 days)$552.93
Fees + prepaids$15,184.73
Your down payment is the seller’s equity. You take over the $339,762 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $175,421.73 is due at closing. Uses and sources reconcile at $515,183.73 each. Not a Closing Disclosure.