Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$145,119Cash toward the purchase price.
Closing costs + prepaids$13,060Not just lender fees.
Before credits & paid funds$158,179The complete starting cash picture.
Estimated remaining funds due at closing
$158,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,118.80
Your down payment$145,118.80
Closing costs + prepaids$13,060.35
Total buyer cash needed$158,179.15
Remaining funds due$158,179.15
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,649.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,141.25
Prepaid interest, first (2 days)$51.70
Fees + prepaids$13,060.35
Your down payment is the seller’s equity. You take over the $329,881 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $158,179.15 is due at closing. Uses and sources reconcile at $488,060.35 each. Not a Closing Disclosure.