Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$138,299Cash toward the purchase price.
Closing costs + prepaids$18,187Not just lender fees.
Before credits & paid funds$156,486The complete starting cash picture.
Estimated remaining funds due at closing
$156,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,298.71
Your down payment$138,298.71
Closing costs + prepaids$18,187.49
Total buyer cash needed$156,486.20
Remaining funds due$156,486.20
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%)$5,699.65
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,158.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,425.00
Initial HOA (3 months)$1,650.00
Prepaid interest, first (26 days)$1,786.51
Fees + prepaids$18,187.49
Your down payment is the seller’s equity. You take over the $431,666 balance, so the rest of the $569,965 price is paid at closing. A second mortgage can cover part of it. $156,486.20 is due at closing. Uses and sources reconcile at $588,152.49 each. Not a Closing Disclosure.