Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$161,207Cash toward the purchase price.
Closing costs + prepaids$13,369Not just lender fees.
Before credits & paid funds$174,576The complete starting cash picture.
Estimated remaining funds due at closing
$174,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,206.76
Your down payment$161,206.76
Closing costs + prepaids$13,369.47
Total buyer cash needed$174,576.22
Remaining funds due$174,576.22
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%)$1,618.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,236.75
Initial HOA (3 months)$92.49
Prepaid interest, first (4 days)$103.26
Fees + prepaids$13,369.47
Your down payment is the seller’s equity. You take over the $323,793 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $174,576.22 is due at closing. Uses and sources reconcile at $498,369.47 each. Not a Closing Disclosure.