Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$164,727Cash toward the purchase price.
Closing costs + prepaids$12,894Not just lender fees.
Before credits & paid funds$177,621The complete starting cash picture.
Estimated remaining funds due at closing
$177,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,726.77
Your down payment$164,726.77
Closing costs + prepaids$12,894.38
Total buyer cash needed$177,621.16
Remaining funds due$177,621.16
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,675.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Prepaid interest, first (6 days)$151.52
Fees + prepaids$12,894.38
Your down payment is the seller’s equity. You take over the $335,173 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $177,621.16 is due at closing. Uses and sources reconcile at $512,794.38 each. Not a Closing Disclosure.