Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$140,667Cash toward the purchase price.
Closing costs + prepaids$15,844Not just lender fees.
Before credits & paid funds$156,512The complete starting cash picture.
Estimated remaining funds due at closing
$156,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,667.23
Your down payment$140,667.23
Closing costs + prepaids$15,844.30
Total buyer cash needed$156,511.53
Remaining funds due$156,511.53
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,046.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$739.25
Initial HOA (3 months)$2.25
Prepaid interest, first (28 days)$2,088.15
Fees + prepaids$15,844.30
Your down payment is the seller’s equity. You take over the $409,332 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $156,511.53 is due at closing. Uses and sources reconcile at $565,843.30 each. Not a Closing Disclosure.