Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$168,797Cash toward the purchase price.
Closing costs + prepaids$13,953Not just lender fees.
Before credits & paid funds$182,750The complete starting cash picture.
Estimated remaining funds due at closing
$182,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,797.25
Your down payment$168,797.25
Closing costs + prepaids$13,953.01
Total buyer cash needed$182,750.26
Remaining funds due$182,750.26
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%)$1,655.51
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 (22 days)$580.75
Fees + prepaids$13,953.01
Your down payment is the seller’s equity. You take over the $331,103 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $182,750.26 is due at closing. Uses and sources reconcile at $513,853.01 each. Not a Closing Disclosure.