Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$151,708Cash toward the purchase price.
Closing costs + prepaids$14,636Not just lender fees.
Before credits & paid funds$166,344The complete starting cash picture.
Estimated remaining funds due at closing
$166,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,707.86
Your down payment$151,707.86
Closing costs + prepaids$14,636.12
Total buyer cash needed$166,343.98
Remaining funds due$166,343.98
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,716.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,237.50
Initial HOA (3 months)$555.00
Prepaid interest, first (26 days)$709.16
Fees + prepaids$14,636.12
Your down payment is the seller’s equity. You take over the $343,292 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $166,343.98 is due at closing. Uses and sources reconcile at $509,636.12 each. Not a Closing Disclosure.