Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$153,386Cash toward the purchase price.
Closing costs + prepaids$14,693Not just lender fees.
Before credits & paid funds$168,078The complete starting cash picture.
Estimated remaining funds due at closing
$168,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,385.61
Your down payment$153,385.61
Closing costs + prepaids$14,692.57
Total buyer cash needed$168,078.18
Remaining funds due$168,078.18
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%)$4,749.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,608.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,914.50
Initial HOA (3 months)$267.00
Prepaid interest, first (24 days)$685.15
Fees + prepaids$14,692.57
Your down payment is the seller’s equity. You take over the $321,604 balance, so the rest of the $474,990 price is paid at closing. A second mortgage can cover part of it. $168,078.18 is due at closing. Uses and sources reconcile at $489,682.57 each. Not a Closing Disclosure.