Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$166,107Cash toward the purchase price.
Closing costs + prepaids$12,463Not just lender fees.
Before credits & paid funds$178,570The complete starting cash picture.
Estimated remaining funds due at closing
$178,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,107.07
Your down payment$166,107.07
Closing costs + prepaids$12,462.74
Total buyer cash needed$178,569.81
Remaining funds due$178,569.81
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%)$5,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,718.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$118.00
Prepaid interest, first (2 days)$58.77
Fees + prepaids$12,462.74
Your down payment is the seller’s equity. You take over the $343,793 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $178,569.81 is due at closing. Uses and sources reconcile at $522,362.74 each. Not a Closing Disclosure.