Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$149,111Cash toward the purchase price.
Closing costs + prepaids$12,971Not just lender fees.
Before credits & paid funds$162,082The complete starting cash picture.
Estimated remaining funds due at closing
$162,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,111.38
Your down payment$149,111.38
Closing costs + prepaids$12,970.75
Total buyer cash needed$162,082.13
Remaining funds due$162,082.13
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,629.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1.00
Initial HOA (3 months)$375.00
Prepaid interest, first (27 days)$747.31
Fees + prepaids$12,970.75
Your down payment is the seller’s equity. You take over the $325,889 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $162,082.13 is due at closing. Uses and sources reconcile at $487,970.75 each. Not a Closing Disclosure.