Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$173,677Cash toward the purchase price.
Closing costs + prepaids$14,054Not just lender fees.
Before credits & paid funds$187,731The complete starting cash picture.
Estimated remaining funds due at closing
$187,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,677.29
Your down payment$173,677.29
Closing costs + prepaids$14,053.52
Total buyer cash needed$187,730.82
Remaining funds due$187,730.82
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%)$4,959.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,611.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,240.00
Prepaid interest, first (28 days)$773.93
Fees + prepaids$14,053.52
Your down payment is the seller’s equity. You take over the $322,322 balance, so the rest of the $495,999 price is paid at closing. A second mortgage can cover part of it. $187,730.82 is due at closing. Uses and sources reconcile at $510,052.52 each. Not a Closing Disclosure.