Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$157,198Cash toward the purchase price.
Closing costs + prepaids$15,244Not just lender fees.
Before credits & paid funds$172,442The complete starting cash picture.
Estimated remaining funds due at closing
$172,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,197.90
Your down payment$157,197.90
Closing costs + prepaids$15,243.75
Total buyer cash needed$172,441.65
Remaining funds due$172,441.65
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,889.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,152.75
Initial HOA (3 months)$558.00
Prepaid interest, first (30 days)$825.99
Fees + prepaids$15,243.75
Your down payment is the seller’s equity. You take over the $377,802 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $172,441.65 is due at closing. Uses and sources reconcile at $550,243.75 each. Not a Closing Disclosure.