Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$143,123Cash toward the purchase price.
Closing costs + prepaids$15,863Not just lender fees.
Before credits & paid funds$158,986The complete starting cash picture.
Estimated remaining funds due at closing
$158,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,123.44
Your down payment$143,123.44
Closing costs + prepaids$15,862.84
Total buyer cash needed$158,986.28
Remaining funds due$158,986.28
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,934.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,383.75
Initial HOA (3 months)$261.00
Prepaid interest, first (22 days)$1,515.71
Fees + prepaids$15,862.84
Your down payment is the seller’s equity. You take over the $386,877 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $158,986.28 is due at closing. Uses and sources reconcile at $545,862.84 each. Not a Closing Disclosure.