Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$150,670Cash toward the purchase price.
Closing costs + prepaids$13,677Not just lender fees.
Before credits & paid funds$164,347The complete starting cash picture.
Estimated remaining funds due at closing
$164,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,669.78
Your down payment$150,669.78
Closing costs + prepaids$13,677.48
Total buyer cash needed$164,347.26
Remaining funds due$164,347.26
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%)$4,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,681.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$174.75
Prepaid interest, first (29 days)$1,483.08
Fees + prepaids$13,677.48
Your down payment is the seller’s equity. You take over the $336,330 balance, so the rest of the $487,000 price is paid at closing. A second mortgage can cover part of it. $164,347.26 is due at closing. Uses and sources reconcile at $500,677.48 each. Not a Closing Disclosure.