Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$161,015Cash toward the purchase price.
Closing costs + prepaids$13,908Not just lender fees.
Before credits & paid funds$174,923The complete starting cash picture.
Estimated remaining funds due at closing
$174,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,014.63
Your down payment$161,014.63
Closing costs + prepaids$13,907.97
Total buyer cash needed$174,922.60
Remaining funds due$174,922.60
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,569.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,338.75
Initial HOA (3 months)$255.00
Prepaid interest, first (23 days)$526.29
Fees + prepaids$13,907.97
Your down payment is the seller’s equity. You take over the $313,985 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $174,922.60 is due at closing. Uses and sources reconcile at $488,907.97 each. Not a Closing Disclosure.