Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$137,516Cash toward the purchase price.
Closing costs + prepaids$15,010Not just lender fees.
Before credits & paid funds$152,525The complete starting cash picture.
Estimated remaining funds due at closing
$152,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,515.91
Your down payment$137,515.91
Closing costs + prepaids$15,009.56
Total buyer cash needed$152,525.47
Remaining funds due$152,525.47
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,037.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$948.50
Initial HOA (3 months)$102.00
Prepaid interest, first (29 days)$1,003.64
Fees + prepaids$15,009.56
Your down payment is the seller’s equity. You take over the $407,484 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $152,525.47 is due at closing. Uses and sources reconcile at $560,009.56 each. Not a Closing Disclosure.