Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$166,838Cash toward the purchase price.
Closing costs + prepaids$13,780Not just lender fees.
Before credits & paid funds$180,618The complete starting cash picture.
Estimated remaining funds due at closing
$180,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,837.52
Your down payment$166,837.52
Closing costs + prepaids$13,780.07
Total buyer cash needed$180,617.58
Remaining funds due$180,617.58
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,540.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,187.25
Initial HOA (3 months)$84.00
Prepaid interest, first (28 days)$751.50
Fees + prepaids$13,780.07
Your down payment is the seller’s equity. You take over the $308,062 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $180,617.58 is due at closing. Uses and sources reconcile at $488,680.07 each. Not a Closing Disclosure.