Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$154,727Cash toward the purchase price.
Closing costs + prepaids$13,636Not just lender fees.
Before credits & paid funds$168,363The complete starting cash picture.
Estimated remaining funds due at closing
$168,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,727.16
Your down payment$154,727.16
Closing costs + prepaids$13,636.32
Total buyer cash needed$168,363.49
Remaining funds due$168,363.49
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%)$5,169.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$278.75
Initial HOA (3 months)$168.00
Prepaid interest, first (23 days)$741.71
Fees + prepaids$13,636.32
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $516,900 price is paid at closing. A second mortgage can cover part of it. $168,363.49 is due at closing. Uses and sources reconcile at $530,536.32 each. Not a Closing Disclosure.