Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$153,828Cash toward the purchase price.
Closing costs + prepaids$16,435Not just lender fees.
Before credits & paid funds$170,263The complete starting cash picture.
Estimated remaining funds due at closing
$170,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,827.93
Your down payment$153,827.93
Closing costs + prepaids$16,434.92
Total buyer cash needed$170,262.84
Remaining funds due$170,262.84
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%)$5,297.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,879.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,743.75
Prepaid interest, first (27 days)$1,045.65
Fees + prepaids$16,434.92
Your down payment is the seller’s equity. You take over the $375,949 balance, so the rest of the $529,777 price is paid at closing. A second mortgage can cover part of it. $170,262.84 is due at closing. Uses and sources reconcile at $546,211.92 each. Not a Closing Disclosure.