Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$165,598Cash toward the purchase price.
Closing costs + prepaids$13,776Not just lender fees.
Before credits & paid funds$179,374The complete starting cash picture.
Estimated remaining funds due at closing
$179,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,598.00
Your down payment$165,598.00
Closing costs + prepaids$13,776.25
Total buyer cash needed$179,374.25
Remaining funds due$179,374.25
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,671.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$969.50
Prepaid interest, first (24 days)$668.24
Fees + prepaids$13,776.25
Your down payment is the seller’s equity. You take over the $334,302 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $179,374.25 is due at closing. Uses and sources reconcile at $513,676.25 each. Not a Closing Disclosure.