Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$148,179Cash toward the purchase price.
Closing costs + prepaids$12,289Not just lender fees.
Before credits & paid funds$160,468The complete starting cash picture.
Estimated remaining funds due at closing
$160,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,178.62
Your down payment$148,178.62
Closing costs + prepaids$12,289.00
Total buyer cash needed$160,467.62
Remaining funds due$160,467.62
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%)$1,634.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$323.00
Prepaid interest, first (2 days)$113.90
Fees + prepaids$12,289.00
Your down payment is the seller’s equity. You take over the $326,821 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $160,467.62 is due at closing. Uses and sources reconcile at $487,289.00 each. Not a Closing Disclosure.