Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$180,157Cash toward the purchase price.
Closing costs + prepaids$13,632Not just lender fees.
Before credits & paid funds$193,789The complete starting cash picture.
Estimated remaining funds due at closing
$193,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,157.43
Your down payment$180,157.43
Closing costs + prepaids$13,631.85
Total buyer cash needed$193,789.28
Remaining funds due$193,789.28
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,574.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,338.75
Initial HOA (3 months)$255.00
Prepaid interest, first (2 days)$45.89
Fees + prepaids$13,631.85
Your down payment is the seller’s equity. You take over the $314,843 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $193,789.28 is due at closing. Uses and sources reconcile at $508,631.85 each. Not a Closing Disclosure.