Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$167,575Cash toward the purchase price.
Closing costs + prepaids$14,334Not just lender fees.
Before credits & paid funds$181,910The complete starting cash picture.
Estimated remaining funds due at closing
$181,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,575.42
Your down payment$167,575.42
Closing costs + prepaids$14,334.47
Total buyer cash needed$181,909.89
Remaining funds due$181,909.89
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%)$1,657.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,169.25
Initial HOA (3 months)$291.00
Prepaid interest, first (22 days)$759.10
Fees + prepaids$14,334.47
Your down payment is the seller’s equity. You take over the $331,425 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $181,909.89 is due at closing. Uses and sources reconcile at $513,334.47 each. Not a Closing Disclosure.