Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$166,898Cash toward the purchase price.
Closing costs + prepaids$13,638Not just lender fees.
Before credits & paid funds$180,536The complete starting cash picture.
Estimated remaining funds due at closing
$180,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,897.81
Your down payment$166,897.81
Closing costs + prepaids$13,638.03
Total buyer cash needed$180,535.84
Remaining funds due$180,535.84
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,590.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$613.00
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$816.52
Fees + prepaids$13,638.03
Your down payment is the seller’s equity. You take over the $318,102 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $180,535.84 is due at closing. Uses and sources reconcile at $498,638.03 each. Not a Closing Disclosure.