Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$148,280Cash toward the purchase price.
Closing costs + prepaids$12,897Not just lender fees.
Before credits & paid funds$161,177The complete starting cash picture.
Estimated remaining funds due at closing
$161,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,280.27
Your down payment$148,280.27
Closing costs + prepaids$12,896.97
Total buyer cash needed$161,177.23
Remaining funds due$161,177.23
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%)$4,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,758.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$433.25
Initial HOA (3 months)$165.00
Prepaid interest, first (2 days)$72.27
Fees + prepaids$12,896.97
Your down payment is the seller’s equity. You take over the $351,710 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $161,177.23 is due at closing. Uses and sources reconcile at $512,886.97 each. Not a Closing Disclosure.