Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$153,662Cash toward the purchase price.
Closing costs + prepaids$13,293Not just lender fees.
Before credits & paid funds$166,954The complete starting cash picture.
Estimated remaining funds due at closing
$166,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,661.64
Your down payment$153,661.64
Closing costs + prepaids$13,292.73
Total buyer cash needed$166,954.38
Remaining funds due$166,954.38
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%)$4,949.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,706.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$402.75
Initial HOA (3 months)$195.00
Prepaid interest, first (20 days)$570.44
Fees + prepaids$13,292.73
Your down payment is the seller’s equity. You take over the $341,328 balance, so the rest of the $494,990 price is paid at closing. A second mortgage can cover part of it. $166,954.38 is due at closing. Uses and sources reconcile at $508,282.73 each. Not a Closing Disclosure.