Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$150,162Cash toward the purchase price.
Closing costs + prepaids$14,941Not just lender fees.
Before credits & paid funds$165,103The complete starting cash picture.
Estimated remaining funds due at closing
$165,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,161.80
Your down payment$150,161.80
Closing costs + prepaids$14,940.87
Total buyer cash needed$165,102.67
Remaining funds due$165,102.67
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,894.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,134.25
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$1,079.43
Fees + prepaids$14,940.87
Your down payment is the seller’s equity. You take over the $378,838 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $165,102.67 is due at closing. Uses and sources reconcile at $543,940.87 each. Not a Closing Disclosure.