Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$174,042Cash toward the purchase price.
Closing costs + prepaids$12,893Not just lender fees.
Before credits & paid funds$186,934The complete starting cash picture.
Estimated remaining funds due at closing
$186,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,041.91
Your down payment$174,041.91
Closing costs + prepaids$12,892.58
Total buyer cash needed$186,934.49
Remaining funds due$186,934.49
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,624.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$762.25
Prepaid interest, first (2 days)$47.54
Fees + prepaids$12,892.58
Your down payment is the seller’s equity. You take over the $324,958 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $186,934.49 is due at closing. Uses and sources reconcile at $511,892.58 each. Not a Closing Disclosure.