Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$161,801Cash toward the purchase price.
Closing costs + prepaids$12,555Not just lender fees.
Before credits & paid funds$174,356The complete starting cash picture.
Estimated remaining funds due at closing
$174,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,800.89
Your down payment$161,800.89
Closing costs + prepaids$12,555.09
Total buyer cash needed$174,355.98
Remaining funds due$174,355.98
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,690.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$368.50
Prepaid interest, first (1 days)$27.61
Fees + prepaids$12,555.09
Your down payment is the seller’s equity. You take over the $338,198 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $174,355.98 is due at closing. Uses and sources reconcile at $512,554.09 each. Not a Closing Disclosure.