Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$166,219Cash toward the purchase price.
Closing costs + prepaids$14,401Not just lender fees.
Before credits & paid funds$180,619The complete starting cash picture.
Estimated remaining funds due at closing
$180,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,218.70
Your down payment$166,218.70
Closing costs + prepaids$14,400.59
Total buyer cash needed$180,619.29
Remaining funds due$180,619.29
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,668.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$595.00
Initial HOA (3 months)$66.00
Prepaid interest, first (23 days)$1,602.69
Fees + prepaids$14,400.59
Your down payment is the seller’s equity. You take over the $333,780 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $180,619.29 is due at closing. Uses and sources reconcile at $514,399.59 each. Not a Closing Disclosure.