Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$137,535Cash toward the purchase price.
Closing costs + prepaids$15,726Not just lender fees.
Before credits & paid funds$153,261The complete starting cash picture.
Estimated remaining funds due at closing
$153,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,535.23
Your down payment$137,535.23
Closing costs + prepaids$15,725.74
Total buyer cash needed$153,260.96
Remaining funds due$153,260.96
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%)$2,037.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,362.50
Initial HOA (3 months)$1,284.00
Prepaid interest, first (2 days)$123.91
Fees + prepaids$15,725.74
Your down payment is the seller’s equity. You take over the $407,465 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $153,260.96 is due at closing. Uses and sources reconcile at $560,725.74 each. Not a Closing Disclosure.