Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$166,778Cash toward the purchase price.
Closing costs + prepaids$14,825Not just lender fees.
Before credits & paid funds$181,603The complete starting cash picture.
Estimated remaining funds due at closing
$181,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,777.86
Your down payment$166,777.86
Closing costs + prepaids$14,825.08
Total buyer cash needed$181,602.94
Remaining funds due$181,602.94
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%)$4,955.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,643.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,238.75
Initial HOA (3 months)$90.00
Prepaid interest, first (25 days)$1,429.72
Fees + prepaids$14,825.08
Your down payment is the seller’s equity. You take over the $328,722 balance, so the rest of the $495,500 price is paid at closing. A second mortgage can cover part of it. $181,602.94 is due at closing. Uses and sources reconcile at $510,325.08 each. Not a Closing Disclosure.