Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$162,964Cash toward the purchase price.
Closing costs + prepaids$14,489Not just lender fees.
Before credits & paid funds$177,452The complete starting cash picture.
Estimated remaining funds due at closing
$177,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,963.65
Your down payment$162,963.65
Closing costs + prepaids$14,488.79
Total buyer cash needed$177,452.44
Remaining funds due$177,452.44
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,835.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$613.25
Initial HOA (3 months)$504.00
Prepaid interest, first (27 days)$768.36
Fees + prepaids$14,488.79
Your down payment is the seller’s equity. You take over the $367,036 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $177,452.44 is due at closing. Uses and sources reconcile at $544,488.79 each. Not a Closing Disclosure.