Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$148,538Cash toward the purchase price.
Closing costs + prepaids$14,144Not just lender fees.
Before credits & paid funds$162,682The complete starting cash picture.
Estimated remaining funds due at closing
$162,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,538.46
Your down payment$148,538.46
Closing costs + prepaids$14,143.95
Total buyer cash needed$162,682.40
Remaining funds due$162,682.40
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%)$1,756.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$838.00
Initial HOA (3 months)$3.99
Prepaid interest, first (28 days)$1,078.15
Fees + prepaids$14,143.95
Your down payment is the seller’s equity. You take over the $351,362 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $162,682.40 is due at closing. Uses and sources reconcile at $514,043.95 each. Not a Closing Disclosure.