Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$167,229Cash toward the purchase price.
Closing costs + prepaids$13,980Not just lender fees.
Before credits & paid funds$181,209The complete starting cash picture.
Estimated remaining funds due at closing
$181,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,228.79
Your down payment$167,228.79
Closing costs + prepaids$13,979.90
Total buyer cash needed$181,208.69
Remaining funds due$181,208.69
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,858.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$300.50
Initial HOA (3 months)$12.24
Prepaid interest, first (30 days)$950.31
Fees + prepaids$13,979.90
Your down payment is the seller’s equity. You take over the $371,771 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $181,208.69 is due at closing. Uses and sources reconcile at $552,979.90 each. Not a Closing Disclosure.