Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$148,236Cash toward the purchase price.
Closing costs + prepaids$16,582Not just lender fees.
Before credits & paid funds$164,819The complete starting cash picture.
Estimated remaining funds due at closing
$164,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,236.48
Your down payment$148,236.48
Closing costs + prepaids$16,582.20
Total buyer cash needed$164,818.68
Remaining funds due$164,818.68
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%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,508.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$812.50
Prepaid interest, first (15 days)$1,292.90
Fees + prepaids$16,582.20
Your down payment is the seller’s equity. You take over the $501,763 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $164,818.68 is due at closing. Uses and sources reconcile at $666,581.20 each. Not a Closing Disclosure.