Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$162,032Cash toward the purchase price.
Closing costs + prepaids$13,378Not just lender fees.
Before credits & paid funds$175,411The complete starting cash picture.
Estimated remaining funds due at closing
$175,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,032.41
Your down payment$162,032.41
Closing costs + prepaids$13,378.34
Total buyer cash needed$175,410.74
Remaining funds due$175,410.74
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%)$5,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,764.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$195.75
Prepaid interest, first (28 days)$801.25
Fees + prepaids$13,378.34
Your down payment is the seller’s equity. You take over the $352,868 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $175,410.74 is due at closing. Uses and sources reconcile at $528,278.34 each. Not a Closing Disclosure.