Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$158,904Cash toward the purchase price.
Closing costs + prepaids$14,637Not just lender fees.
Before credits & paid funds$173,541The complete starting cash picture.
Estimated remaining funds due at closing
$173,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,903.63
Your down payment$158,903.63
Closing costs + prepaids$14,637.26
Total buyer cash needed$173,540.89
Remaining funds due$173,540.89
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,700.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$632.75
Prepaid interest, first (26 days)$1,846.02
Fees + prepaids$14,637.26
Your down payment is the seller’s equity. You take over the $340,096 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $173,540.89 is due at closing. Uses and sources reconcile at $513,637.26 each. Not a Closing Disclosure.