Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$167,977Cash toward the purchase price.
Closing costs + prepaids$14,322Not just lender fees.
Before credits & paid funds$182,299The complete starting cash picture.
Estimated remaining funds due at closing
$182,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,977.04
Your down payment$167,977.04
Closing costs + prepaids$14,321.57
Total buyer cash needed$182,298.61
Remaining funds due$182,298.61
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%)$1,655.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,169.25
Initial HOA (3 months)$291.00
Prepaid interest, first (22 days)$748.20
Fees + prepaids$14,321.57
Your down payment is the seller’s equity. You take over the $331,023 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $182,298.61 is due at closing. Uses and sources reconcile at $513,321.57 each. Not a Closing Disclosure.