Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$149,486Cash toward the purchase price.
Closing costs + prepaids$14,761Not just lender fees.
Before credits & paid funds$164,247The complete starting cash picture.
Estimated remaining funds due at closing
$164,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,486.00
Your down payment$149,486.00
Closing costs + prepaids$14,761.04
Total buyer cash needed$164,247.04
Remaining funds due$164,247.04
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,702.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$659.50
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$1,732.47
Fees + prepaids$14,761.04
Your down payment is the seller’s equity. You take over the $340,414 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $164,247.04 is due at closing. Uses and sources reconcile at $504,661.04 each. Not a Closing Disclosure.