Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$174,833Cash toward the purchase price.
Closing costs + prepaids$13,386Not just lender fees.
Before credits & paid funds$188,220The complete starting cash picture.
Estimated remaining funds due at closing
$188,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,833.33
Your down payment$174,833.33
Closing costs + prepaids$13,386.48
Total buyer cash needed$188,219.82
Remaining funds due$188,219.82
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,620.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$762.25
Prepaid interest, first (23 days)$545.40
Fees + prepaids$13,386.48
Your down payment is the seller’s equity. You take over the $324,167 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $188,219.82 is due at closing. Uses and sources reconcile at $512,386.48 each. Not a Closing Disclosure.