Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$150,922Cash toward the purchase price.
Closing costs + prepaids$16,273Not just lender fees.
Before credits & paid funds$167,196The complete starting cash picture.
Estimated remaining funds due at closing
$167,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,922.48
Your down payment$150,922.48
Closing costs + prepaids$16,273.38
Total buyer cash needed$167,195.86
Remaining funds due$167,195.86
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,494.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$780.00
Initial HOA (3 months)$201.00
Prepaid interest, first (9 days)$830.49
Fees + prepaids$16,273.38
Your down payment is the seller’s equity. You take over the $498,978 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $167,195.86 is due at closing. Uses and sources reconcile at $666,173.38 each. Not a Closing Disclosure.