Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$172,408Cash toward the purchase price.
Closing costs + prepaids$14,276Not just lender fees.
Before credits & paid funds$186,684The complete starting cash picture.
Estimated remaining funds due at closing
$186,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,407.79
Your down payment$172,407.79
Closing costs + prepaids$14,275.82
Total buyer cash needed$186,683.61
Remaining funds due$186,683.61
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%)$1,632.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$501.25
Prepaid interest, first (28 days)$1,683.61
Fees + prepaids$14,275.82
Your down payment is the seller’s equity. You take over the $326,592 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $186,683.61 is due at closing. Uses and sources reconcile at $513,275.82 each. Not a Closing Disclosure.