Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$145,156Cash toward the purchase price.
Closing costs + prepaids$14,238Not just lender fees.
Before credits & paid funds$159,394The complete starting cash picture.
Estimated remaining funds due at closing
$159,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,155.84
Your down payment$145,155.84
Closing costs + prepaids$14,237.99
Total buyer cash needed$159,393.83
Remaining funds due$159,393.83
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%)$4,989.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,769.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,113.75
Initial HOA (3 months)$110.01
Prepaid interest, first (29 days)$787.16
Fees + prepaids$14,237.99
Your down payment is the seller’s equity. You take over the $353,834 balance, so the rest of the $498,990 price is paid at closing. A second mortgage can cover part of it. $159,393.83 is due at closing. Uses and sources reconcile at $513,227.99 each. Not a Closing Disclosure.