Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$147,905Cash toward the purchase price.
Closing costs + prepaids$13,130Not just lender fees.
Before credits & paid funds$161,035The complete starting cash picture.
Estimated remaining funds due at closing
$161,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,904.71
Your down payment$147,904.71
Closing costs + prepaids$13,129.84
Total buyer cash needed$161,034.54
Remaining funds due$161,034.54
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%)$4,857.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,689.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$583.00
Initial HOA (3 months)$210.00
Prepaid interest, first (12 days)$322.11
Fees + prepaids$13,129.84
Your down payment is the seller’s equity. You take over the $337,845 balance, so the rest of the $485,750 price is paid at closing. A second mortgage can cover part of it. $161,034.54 is due at closing. Uses and sources reconcile at $498,879.84 each. Not a Closing Disclosure.