Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$143,142Cash toward the purchase price.
Closing costs + prepaids$13,259Not just lender fees.
Before credits & paid funds$156,401The complete starting cash picture.
Estimated remaining funds due at closing
$156,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,141.86
Your down payment$143,141.86
Closing costs + prepaids$13,259.32
Total buyer cash needed$156,401.18
Remaining funds due$156,401.18
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%)$4,959.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,763.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$300.00
Prepaid interest, first (28 days)$768.53
Fees + prepaids$13,259.32
Your down payment is the seller’s equity. You take over the $352,758 balance, so the rest of the $495,900 price is paid at closing. A second mortgage can cover part of it. $156,401.18 is due at closing. Uses and sources reconcile at $509,159.32 each. Not a Closing Disclosure.