Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$138,353Cash toward the purchase price.
Closing costs + prepaids$17,175Not just lender fees.
Before credits & paid funds$155,528The complete starting cash picture.
Estimated remaining funds due at closing
$155,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,353.17
Your down payment$138,353.17
Closing costs + prepaids$17,174.90
Total buyer cash needed$155,528.07
Remaining funds due$155,528.07
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,983.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,316.50
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$1,907.16
Fees + prepaids$17,174.90
Your down payment is the seller’s equity. You take over the $396,647 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $155,528.07 is due at closing. Uses and sources reconcile at $552,174.90 each. Not a Closing Disclosure.