Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$165,407Cash toward the purchase price.
Closing costs + prepaids$13,769Not just lender fees.
Before credits & paid funds$179,177The complete starting cash picture.
Estimated remaining funds due at closing
$179,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,407.41
Your down payment$165,407.41
Closing costs + prepaids$13,769.31
Total buyer cash needed$179,176.72
Remaining funds due$179,176.72
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%)$1,547.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,188.75
Initial HOA (3 months)$189.99
Prepaid interest, first (26 days)$626.11
Fees + prepaids$13,769.31
Your down payment is the seller’s equity. You take over the $309,493 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $179,176.72 is due at closing. Uses and sources reconcile at $488,669.31 each. Not a Closing Disclosure.