Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$135,101Cash toward the purchase price.
Closing costs + prepaids$16,437Not just lender fees.
Before credits & paid funds$151,538The complete starting cash picture.
Estimated remaining funds due at closing
$151,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,100.66
Your down payment$135,100.66
Closing costs + prepaids$16,436.85
Total buyer cash needed$151,537.52
Remaining funds due$151,537.52
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%)$2,024.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,051.00
Initial HOA (3 months)$546.00
Prepaid interest, first (28 days)$947.35
Fees + prepaids$16,436.85
Your down payment is the seller’s equity. You take over the $404,899 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $151,537.52 is due at closing. Uses and sources reconcile at $556,436.85 each. Not a Closing Disclosure.