Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$143,840Cash toward the purchase price.
Closing costs + prepaids$14,394Not just lender fees.
Before credits & paid funds$158,233The complete starting cash picture.
Estimated remaining funds due at closing
$158,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,839.70
Your down payment$143,839.70
Closing costs + prepaids$14,393.60
Total buyer cash needed$158,233.30
Remaining funds due$158,233.30
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%)$4,969.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,765.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$491.75
Prepaid interest, first (27 days)$1,698.07
Fees + prepaids$14,393.60
Your down payment is the seller’s equity. You take over the $353,159 balance, so the rest of the $496,999 price is paid at closing. A second mortgage can cover part of it. $158,233.30 is due at closing. Uses and sources reconcile at $511,392.60 each. Not a Closing Disclosure.