Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$146,327Cash toward the purchase price.
Closing costs + prepaids$13,105Not just lender fees.
Before credits & paid funds$159,432The complete starting cash picture.
Estimated remaining funds due at closing
$159,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,326.65
Your down payment$146,326.65
Closing costs + prepaids$13,104.86
Total buyer cash needed$159,431.51
Remaining funds due$159,431.51
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,793.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$606.00
Prepaid interest, first (6 days)$187.49
Fees + prepaids$13,104.86
Your down payment is the seller’s equity. You take over the $358,673 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $159,431.51 is due at closing. Uses and sources reconcile at $518,104.86 each. Not a Closing Disclosure.