Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$143,849Cash toward the purchase price.
Closing costs + prepaids$14,654Not just lender fees.
Before credits & paid funds$158,503The complete starting cash picture.
Estimated remaining funds due at closing
$158,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,849.45
Your down payment$143,849.45
Closing costs + prepaids$14,653.70
Total buyer cash needed$158,503.15
Remaining funds due$158,503.15
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,855.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$656.50
Prepaid interest, first (22 days)$1,523.45
Fees + prepaids$14,653.70
Your down payment is the seller’s equity. You take over the $371,151 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $158,503.15 is due at closing. Uses and sources reconcile at $529,653.70 each. Not a Closing Disclosure.