Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$160,071Cash toward the purchase price.
Closing costs + prepaids$14,969Not just lender fees.
Before credits & paid funds$175,041The complete starting cash picture.
Estimated remaining funds due at closing
$175,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,071.45
Your down payment$160,071.45
Closing costs + prepaids$14,969.46
Total buyer cash needed$175,040.91
Remaining funds due$175,040.91
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%)$4,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,669.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,235.00
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$1,581.81
Fees + prepaids$14,969.46
Your down payment is the seller’s equity. You take over the $333,929 balance, so the rest of the $494,000 price is paid at closing. A second mortgage can cover part of it. $175,040.91 is due at closing. Uses and sources reconcile at $508,969.46 each. Not a Closing Disclosure.