Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,041Cash toward the purchase price.
Closing costs + prepaids$14,541Not just lender fees.
Before credits & paid funds$155,582The complete starting cash picture.
Estimated remaining funds due at closing
$155,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,041.00
Your down payment$141,041.00
Closing costs + prepaids$14,540.71
Total buyer cash needed$155,581.71
Remaining funds due$155,581.71
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%)$5,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,869.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,267.25
Initial HOA (3 months)$147.00
Prepaid interest, first (25 days)$640.17
Fees + prepaids$14,540.71
Your down payment is the seller’s equity. You take over the $373,859 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $155,581.71 is due at closing. Uses and sources reconcile at $529,440.71 each. Not a Closing Disclosure.