Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$143,575Cash toward the purchase price.
Closing costs + prepaids$12,937Not just lender fees.
Before credits & paid funds$156,512The complete starting cash picture.
Estimated remaining funds due at closing
$156,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,574.82
Your down payment$143,574.82
Closing costs + prepaids$12,937.14
Total buyer cash needed$156,511.96
Remaining funds due$156,511.96
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,707.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$582.00
Prepaid interest, first (12 days)$330.01
Fees + prepaids$12,937.14
Your down payment is the seller’s equity. You take over the $341,425 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $156,511.96 is due at closing. Uses and sources reconcile at $497,937.14 each. Not a Closing Disclosure.