Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$180,192Cash toward the purchase price.
Closing costs + prepaids$13,961Not just lender fees.
Before credits & paid funds$194,153The complete starting cash picture.
Estimated remaining funds due at closing
$194,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,191.96
Your down payment$180,191.96
Closing costs + prepaids$13,960.87
Total buyer cash needed$194,152.82
Remaining funds due$194,152.82
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%)$1,494.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,304.00
Initial HOA (3 months)$123.75
Prepaid interest, first (29 days)$781.08
Fees + prepaids$13,960.87
Your down payment is the seller’s equity. You take over the $298,808 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $194,152.82 is due at closing. Uses and sources reconcile at $492,960.87 each. Not a Closing Disclosure.