Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$147,406Cash toward the purchase price.
Closing costs + prepaids$14,231Not just lender fees.
Before credits & paid funds$161,637The complete starting cash picture.
Estimated remaining funds due at closing
$161,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,405.74
Your down payment$147,405.74
Closing costs + prepaids$14,231.47
Total buyer cash needed$161,637.22
Remaining funds due$161,637.22
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%)$5,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,862.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$26.00
Initial HOA (3 months)$132.00
Prepaid interest, first (31 days)$1,542.65
Fees + prepaids$14,231.47
Your down payment is the seller’s equity. You take over the $372,584 balance, so the rest of the $519,990 price is paid at closing. A second mortgage can cover part of it. $161,637.22 is due at closing. Uses and sources reconcile at $534,221.47 each. Not a Closing Disclosure.