Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,406Cash toward the purchase price.
Closing costs + prepaids$14,618Not just lender fees.
Before credits & paid funds$159,023The complete starting cash picture.
Estimated remaining funds due at closing
$159,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,405.74
Your down payment$144,405.74
Closing costs + prepaids$14,617.66
Total buyer cash needed$159,023.40
Remaining funds due$159,023.40
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%)$5,169.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,862.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$268.00
Initial HOA (3 months)$555.00
Prepaid interest, first (26 days)$1,293.84
Fees + prepaids$14,617.66
Your down payment is the seller’s equity. You take over the $372,584 balance, so the rest of the $516,990 price is paid at closing. A second mortgage can cover part of it. $159,023.40 is due at closing. Uses and sources reconcile at $531,607.66 each. Not a Closing Disclosure.