Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$153,267Cash toward the purchase price.
Closing costs + prepaids$14,171Not just lender fees.
Before credits & paid funds$167,438The complete starting cash picture.
Estimated remaining funds due at closing
$167,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,266.77
Your down payment$153,266.77
Closing costs + prepaids$14,171.07
Total buyer cash needed$167,437.84
Remaining funds due$167,437.84
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%)$1,728.67
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 (1 days)$60.91
Fees + prepaids$14,171.07
Your down payment is the seller’s equity. You take over the $345,733 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $167,437.84 is due at closing. Uses and sources reconcile at $513,171.07 each. Not a Closing Disclosure.