Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$145,130Cash toward the purchase price.
Closing costs + prepaids$14,218Not just lender fees.
Before credits & paid funds$159,348The complete starting cash picture.
Estimated remaining funds due at closing
$159,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,129.76
Your down payment$145,129.76
Closing costs + prepaids$14,218.02
Total buyer cash needed$159,347.79
Remaining funds due$159,347.79
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,774.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,145.00
Prepaid interest, first (24 days)$830.69
Fees + prepaids$14,218.02
Your down payment is the seller’s equity. You take over the $354,869 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $159,347.79 is due at closing. Uses and sources reconcile at $514,217.02 each. Not a Closing Disclosure.