Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$158,893Cash toward the purchase price.
Closing costs + prepaids$14,454Not just lender fees.
Before credits & paid funds$173,347The complete starting cash picture.
Estimated remaining funds due at closing
$173,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,893.10
Your down payment$158,893.10
Closing costs + prepaids$14,453.57
Total buyer cash needed$173,346.67
Remaining funds due$173,346.67
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,830.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,065.50
Initial HOA (3 months)$165.00
Prepaid interest, first (25 days)$674.54
Fees + prepaids$14,453.57
Your down payment is the seller’s equity. You take over the $366,107 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $173,346.67 is due at closing. Uses and sources reconcile at $539,453.57 each. Not a Closing Disclosure.