Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$168,797Cash toward the purchase price.
Closing costs + prepaids$14,164Not just lender fees.
Before credits & paid funds$182,961The complete starting cash picture.
Estimated remaining funds due at closing
$182,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,797.25
Your down payment$168,797.25
Closing costs + prepaids$14,164.19
Total buyer cash needed$182,961.44
Remaining funds due$182,961.44
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,655.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,249.75
Prepaid interest, first (30 days)$791.93
Fees + prepaids$14,164.19
Your down payment is the seller’s equity. You take over the $331,103 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $182,961.44 is due at closing. Uses and sources reconcile at $514,064.19 each. Not a Closing Disclosure.