Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$137,448Cash toward the purchase price.
Closing costs + prepaids$14,363Not just lender fees.
Before credits & paid funds$151,811The complete starting cash picture.
Estimated remaining funds due at closing
$151,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,448.34
Your down payment$137,448.34
Closing costs + prepaids$14,362.76
Total buyer cash needed$151,811.11
Remaining funds due$151,811.11
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,937.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$856.75
Initial HOA (3 months)$23.76
Prepaid interest, first (28 days)$826.49
Fees + prepaids$14,362.76
Your down payment is the seller’s equity. You take over the $387,552 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $151,811.11 is due at closing. Uses and sources reconcile at $539,362.76 each. Not a Closing Disclosure.