Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$164,475Cash toward the purchase price.
Closing costs + prepaids$18,469Not just lender fees.
Before credits & paid funds$182,944The complete starting cash picture.
Estimated remaining funds due at closing
$182,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,474.51
Your down payment$164,474.51
Closing costs + prepaids$18,469.15
Total buyer cash needed$182,943.66
Remaining funds due$182,943.66
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,427.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,624.75
Prepaid interest, first (28 days)$2,450.27
Fees + prepaids$18,469.15
Your down payment is the seller’s equity. You take over the $485,425 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $182,943.66 is due at closing. Uses and sources reconcile at $668,369.15 each. Not a Closing Disclosure.