Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$153,673Cash toward the purchase price.
Closing costs + prepaids$15,264Not just lender fees.
Before credits & paid funds$168,937The complete starting cash picture.
Estimated remaining funds due at closing
$168,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,673.11
Your down payment$153,673.11
Closing costs + prepaids$15,263.99
Total buyer cash needed$168,937.10
Remaining funds due$168,937.10
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%)$1,726.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$414.50
Initial HOA (3 months)$1,509.00
Prepaid interest, first (19 days)$1,155.85
Fees + prepaids$15,263.99
Your down payment is the seller’s equity. You take over the $345,327 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $168,937.10 is due at closing. Uses and sources reconcile at $514,263.99 each. Not a Closing Disclosure.