Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$158,555Cash toward the purchase price.
Closing costs + prepaids$12,940Not just lender fees.
Before credits & paid funds$171,495The complete starting cash picture.
Estimated remaining funds due at closing
$171,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,554.65
Your down payment$158,554.65
Closing costs + prepaids$12,940.14
Total buyer cash needed$171,494.78
Remaining funds due$171,494.78
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%)$4,825.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,619.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$322.00
Initial HOA (3 months)$150.00
Prepaid interest, first (21 days)$555.41
Fees + prepaids$12,940.14
Your down payment is the seller’s equity. You take over the $323,945 balance, so the rest of the $482,500 price is paid at closing. A second mortgage can cover part of it. $171,494.78 is due at closing. Uses and sources reconcile at $495,440.14 each. Not a Closing Disclosure.