Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$136,849Cash toward the purchase price.
Closing costs + prepaids$15,930Not just lender fees.
Before credits & paid funds$152,780The complete starting cash picture.
Estimated remaining funds due at closing
$152,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,849.49
Your down payment$136,849.49
Closing costs + prepaids$15,930.18
Total buyer cash needed$152,779.66
Remaining funds due$152,779.66
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,010.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$611.25
Initial HOA (3 months)$765.00
Prepaid interest, first (23 days)$1,685.18
Fees + prepaids$15,930.18
Your down payment is the seller’s equity. You take over the $402,151 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $152,779.66 is due at closing. Uses and sources reconcile at $554,930.18 each. Not a Closing Disclosure.