Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$170,245Cash toward the purchase price.
Closing costs + prepaids$15,240Not just lender fees.
Before credits & paid funds$185,486The complete starting cash picture.
Estimated remaining funds due at closing
$185,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,245.47
Your down payment$170,245.47
Closing costs + prepaids$15,240.19
Total buyer cash needed$185,485.66
Remaining funds due$185,485.66
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%)$5,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,833.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,342.50
Initial HOA (3 months)$410.01
Prepaid interest, first (29 days)$815.90
Fees + prepaids$15,240.19
Your down payment is the seller’s equity. You take over the $366,755 balance, so the rest of the $537,000 price is paid at closing. A second mortgage can cover part of it. $185,485.66 is due at closing. Uses and sources reconcile at $552,240.19 each. Not a Closing Disclosure.