Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$156,542Cash toward the purchase price.
Closing costs + prepaids$15,429Not just lender fees.
Before credits & paid funds$171,971The complete starting cash picture.
Estimated remaining funds due at closing
$171,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,541.93
Your down payment$156,541.93
Closing costs + prepaids$15,429.06
Total buyer cash needed$171,970.98
Remaining funds due$171,970.98
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,042.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,037.75
Initial HOA (3 months)$150.00
Prepaid interest, first (28 days)$1,081.02
Fees + prepaids$15,429.06
Your down payment is the seller’s equity. You take over the $408,458 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $171,970.98 is due at closing. Uses and sources reconcile at $580,429.06 each. Not a Closing Disclosure.