Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$143,223Cash toward the purchase price.
Closing costs + prepaids$14,197Not just lender fees.
Before credits & paid funds$157,420The complete starting cash picture.
Estimated remaining funds due at closing
$157,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,222.75
Your down payment$143,222.75
Closing costs + prepaids$14,196.88
Total buyer cash needed$157,419.62
Remaining funds due$157,419.62
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,783.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,249.75
Prepaid interest, first (23 days)$696.74
Fees + prepaids$14,196.88
Your down payment is the seller’s equity. You take over the $356,677 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $157,419.62 is due at closing. Uses and sources reconcile at $514,096.88 each. Not a Closing Disclosure.