Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$173,066Cash toward the purchase price.
Closing costs + prepaids$16,651Not just lender fees.
Before credits & paid funds$189,716The complete starting cash picture.
Estimated remaining funds due at closing
$189,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,065.69
Your down payment$173,065.69
Closing costs + prepaids$16,650.79
Total buyer cash needed$189,716.48
Remaining funds due$189,716.48
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%)$1,629.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Initial HOA (3 months)$3,204.00
Prepaid interest, first (2 days)$111.62
Fees + prepaids$16,650.79
Your down payment is the seller’s equity. You take over the $325,934 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $189,716.48 is due at closing. Uses and sources reconcile at $515,650.79 each. Not a Closing Disclosure.