Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$160,126Cash toward the purchase price.
Closing costs + prepaids$15,878Not just lender fees.
Before credits & paid funds$176,004The complete starting cash picture.
Estimated remaining funds due at closing
$176,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,126.29
Your down payment$160,126.29
Closing costs + prepaids$15,877.61
Total buyer cash needed$176,003.90
Remaining funds due$176,003.90
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,749.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,275.00
Initial HOA (3 months)$2,226.00
Prepaid interest, first (2 days)$59.24
Fees + prepaids$15,877.61
Your down payment is the seller’s equity. You take over the $349,874 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $176,003.90 is due at closing. Uses and sources reconcile at $525,877.61 each. Not a Closing Disclosure.