Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$146,517Cash toward the purchase price.
Closing costs + prepaids$16,086Not just lender fees.
Before credits & paid funds$162,603The complete starting cash picture.
Estimated remaining funds due at closing
$162,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,516.92
Your down payment$146,516.92
Closing costs + prepaids$16,085.90
Total buyer cash needed$162,602.82
Remaining funds due$162,602.82
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,867.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,300.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (31 days)$1,170.49
Fees + prepaids$16,085.90
Your down payment is the seller’s equity. You take over the $373,483 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $162,602.82 is due at closing. Uses and sources reconcile at $536,085.90 each. Not a Closing Disclosure.