Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$179,931Cash toward the purchase price.
Closing costs + prepaids$13,757Not just lender fees.
Before credits & paid funds$193,687The complete starting cash picture.
Estimated remaining funds due at closing
$193,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,930.79
Your down payment$179,930.79
Closing costs + prepaids$13,756.61
Total buyer cash needed$193,687.40
Remaining funds due$193,687.40
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,495.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,256.00
Prepaid interest, first (30 days)$747.26
Fees + prepaids$13,756.61
Your down payment is the seller’s equity. You take over the $299,069 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $193,687.40 is due at closing. Uses and sources reconcile at $492,756.61 each. Not a Closing Disclosure.