Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$114,612Cash toward the purchase price.
Closing costs + prepaids$15,674Not just lender fees.
Before credits & paid funds$130,286The complete starting cash picture.
Estimated remaining funds due at closing
$130,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,611.57
Your down payment$114,611.57
Closing costs + prepaids$15,674.42
Total buyer cash needed$130,285.99
Remaining funds due$130,285.99
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%)$5,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,111.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,292.75
Initial HOA (3 months)$234.00
Prepaid interest, first (30 days)$1,197.73
Fees + prepaids$15,674.42
Your down payment is the seller’s equity. You take over the $422,388 balance, so the rest of the $537,000 price is paid at closing. A second mortgage can cover part of it. $130,285.99 is due at closing. Uses and sources reconcile at $552,674.42 each. Not a Closing Disclosure.