Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$178,364Cash toward the purchase price.
Closing costs + prepaids$13,687Not just lender fees.
Before credits & paid funds$192,051The complete starting cash picture.
Estimated remaining funds due at closing
$192,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,364.41
Your down payment$178,364.41
Closing costs + prepaids$13,686.53
Total buyer cash needed$192,050.94
Remaining funds due$192,050.94
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%)$4,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,508.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,200.00
Prepaid interest, first (28 days)$710.37
Fees + prepaids$13,686.53
Your down payment is the seller’s equity. You take over the $301,635 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $192,050.94 is due at closing. Uses and sources reconcile at $493,685.53 each. Not a Closing Disclosure.