Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$165,091Cash toward the purchase price.
Closing costs + prepaids$14,102Not just lender fees.
Before credits & paid funds$179,193The complete starting cash picture.
Estimated remaining funds due at closing
$179,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,091.05
Your down payment$165,091.05
Closing costs + prepaids$14,102.32
Total buyer cash needed$179,193.37
Remaining funds due$179,193.37
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$591.25
Initial HOA (3 months)$108.00
Prepaid interest, first (24 days)$825.52
Fees + prepaids$14,102.32
Your down payment is the seller’s equity. You take over the $363,909 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $179,193.37 is due at closing. Uses and sources reconcile at $543,102.32 each. Not a Closing Disclosure.