Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$141,495Cash toward the purchase price.
Closing costs + prepaids$16,243Not just lender fees.
Before credits & paid funds$157,739The complete starting cash picture.
Estimated remaining funds due at closing
$157,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,495.48
Your down payment$141,495.48
Closing costs + prepaids$16,243.20
Total buyer cash needed$157,738.68
Remaining funds due$157,738.68
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,967.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,337.50
Initial HOA (3 months)$1,161.00
Prepaid interest, first (31 days)$959.18
Fees + prepaids$16,243.20
Your down payment is the seller’s equity. You take over the $393,505 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $157,738.68 is due at closing. Uses and sources reconcile at $551,243.20 each. Not a Closing Disclosure.