Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$151,489Cash toward the purchase price.
Closing costs + prepaids$14,189Not just lender fees.
Before credits & paid funds$165,677The complete starting cash picture.
Estimated remaining funds due at closing
$165,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,488.88
Your down payment$151,488.88
Closing costs + prepaids$14,188.59
Total buyer cash needed$165,677.47
Remaining funds due$165,677.47
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,742.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$898.50
Initial HOA (3 months)$338.01
Prepaid interest, first (28 days)$743.02
Fees + prepaids$14,188.59
Your down payment is the seller’s equity. You take over the $348,411 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $165,677.47 is due at closing. Uses and sources reconcile at $514,088.59 each. Not a Closing Disclosure.