Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$154,617Cash toward the purchase price.
Closing costs + prepaids$14,541Not just lender fees.
Before credits & paid funds$169,158The complete starting cash picture.
Estimated remaining funds due at closing
$169,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,616.56
Your down payment$154,616.56
Closing costs + prepaids$14,541.28
Total buyer cash needed$169,157.84
Remaining funds due$169,157.84
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%)$5,584.30
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$34.50
Initial HOA (3 months)$141.00
Prepaid interest, first (24 days)$1,294.42
Fees + prepaids$14,541.28
Your down payment is the seller’s equity. You take over the $403,813 balance, so the rest of the $558,430 price is paid at closing. A second mortgage can cover part of it. $169,157.84 is due at closing. Uses and sources reconcile at $572,971.28 each. Not a Closing Disclosure.