Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$148,519Cash toward the purchase price.
Closing costs + prepaids$13,541Not just lender fees.
Before credits & paid funds$162,060The complete starting cash picture.
Estimated remaining funds due at closing
$162,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,518.56
Your down payment$148,518.56
Closing costs + prepaids$13,541.27
Total buyer cash needed$162,059.84
Remaining funds due$162,059.84
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,656.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$843.50
Initial HOA (3 months)$120.00
Prepaid interest, first (26 days)$653.87
Fees + prepaids$13,541.27
Your down payment is the seller’s equity. You take over the $331,381 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $162,059.84 is due at closing. Uses and sources reconcile at $493,441.27 each. Not a Closing Disclosure.