Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$150,670Cash toward the purchase price.
Closing costs + prepaids$13,115Not just lender fees.
Before credits & paid funds$163,785The complete starting cash picture.
Estimated remaining funds due at closing
$163,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,669.78
Your down payment$150,669.78
Closing costs + prepaids$13,114.93
Total buyer cash needed$163,784.72
Remaining funds due$163,784.72
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%)$4,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,681.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$174.75
Prepaid interest, first (18 days)$920.53
Fees + prepaids$13,114.93
Your down payment is the seller’s equity. You take over the $336,330 balance, so the rest of the $487,000 price is paid at closing. A second mortgage can cover part of it. $163,784.72 is due at closing. Uses and sources reconcile at $500,114.93 each. Not a Closing Disclosure.