Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$114,032Cash toward the purchase price.
Closing costs + prepaids$16,522Not just lender fees.
Before credits & paid funds$130,553The complete starting cash picture.
Estimated remaining funds due at closing
$130,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,031.75
Your down payment$114,031.75
Closing costs + prepaids$16,521.63
Total buyer cash needed$130,553.38
Remaining funds due$130,553.38
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,129.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,350.00
Initial HOA (3 months)$1,260.00
Prepaid interest, first (27 days)$913.79
Fees + prepaids$16,521.63
Your down payment is the seller’s equity. You take over the $425,968 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $130,553.38 is due at closing. Uses and sources reconcile at $556,521.63 each. Not a Closing Disclosure.