Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$179,110Cash toward the purchase price.
Closing costs + prepaids$12,969Not just lender fees.
Before credits & paid funds$192,079The complete starting cash picture.
Estimated remaining funds due at closing
$192,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,109.59
Your down payment$179,109.59
Closing costs + prepaids$12,969.42
Total buyer cash needed$192,079.01
Remaining funds due$192,079.01
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,603.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Prepaid interest, first (12 days)$298.47
Fees + prepaids$12,969.42
Your down payment is the seller’s equity. You take over the $320,790 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $192,079.01 is due at closing. Uses and sources reconcile at $512,869.42 each. Not a Closing Disclosure.