Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$136,511Cash toward the purchase price.
Closing costs + prepaids$16,331Not just lender fees.
Before credits & paid funds$152,841The complete starting cash picture.
Estimated remaining funds due at closing
$152,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,510.86
Your down payment$136,510.86
Closing costs + prepaids$16,330.60
Total buyer cash needed$152,841.45
Remaining funds due$152,841.45
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%)$2,012.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,347.50
Initial HOA (3 months)$1,542.00
Prepaid interest, first (23 days)$570.65
Fees + prepaids$16,330.60
Your down payment is the seller’s equity. You take over the $402,489 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $152,841.45 is due at closing. Uses and sources reconcile at $555,330.60 each. Not a Closing Disclosure.