Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$149,947Cash toward the purchase price.
Closing costs + prepaids$17,272Not just lender fees.
Before credits & paid funds$167,219The complete starting cash picture.
Estimated remaining funds due at closing
$167,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,947.20
Your down payment$149,947.20
Closing costs + prepaids$17,271.89
Total buyer cash needed$167,219.09
Remaining funds due$167,219.09
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,100.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,777.00
Prepaid interest, first (28 days)$2,226.63
Fees + prepaids$17,271.89
Your down payment is the seller’s equity. You take over the $420,053 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $167,219.09 is due at closing. Uses and sources reconcile at $587,271.89 each. Not a Closing Disclosure.