Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$135,412Cash toward the purchase price.
Closing costs + prepaids$14,899Not just lender fees.
Before credits & paid funds$150,311The complete starting cash picture.
Estimated remaining funds due at closing
$150,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,411.92
Your down payment$135,411.92
Closing costs + prepaids$14,898.93
Total buyer cash needed$150,310.85
Remaining funds due$150,310.85
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,897.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,222.50
Initial HOA (3 months)$237.00
Prepaid interest, first (30 days)$923.49
Fees + prepaids$14,898.93
Your down payment is the seller’s equity. You take over the $379,588 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $150,310.85 is due at closing. Uses and sources reconcile at $529,898.93 each. Not a Closing Disclosure.