Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$173,008Cash toward the purchase price.
Closing costs + prepaids$15,891Not just lender fees.
Before credits & paid funds$188,899The complete starting cash picture.
Estimated remaining funds due at closing
$188,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,007.83
Your down payment$173,007.83
Closing costs + prepaids$15,890.86
Total buyer cash needed$188,898.68
Remaining funds due$188,898.68
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%)$4,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,632.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,958.75
Initial HOA (3 months)$438.99
Prepaid interest, first (25 days)$1,397.65
Fees + prepaids$15,890.86
Your down payment is the seller’s equity. You take over the $326,492 balance, so the rest of the $499,500 price is paid at closing. A second mortgage can cover part of it. $188,898.68 is due at closing. Uses and sources reconcile at $515,390.86 each. Not a Closing Disclosure.