Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$138,102Cash toward the purchase price.
Closing costs + prepaids$14,906Not just lender fees.
Before credits & paid funds$153,008The complete starting cash picture.
Estimated remaining funds due at closing
$153,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,101.72
Your down payment$138,101.72
Closing costs + prepaids$14,905.99
Total buyer cash needed$153,007.71
Remaining funds due$153,007.71
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,859.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,429.75
Initial HOA (3 months)$360.99
Prepaid interest, first (27 days)$687.76
Fees + prepaids$14,905.99
Your down payment is the seller’s equity. You take over the $371,898 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $153,007.71 is due at closing. Uses and sources reconcile at $524,905.99 each. Not a Closing Disclosure.