Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$133,739Cash toward the purchase price.
Closing costs + prepaids$13,852Not just lender fees.
Before credits & paid funds$147,591The complete starting cash picture.
Estimated remaining funds due at closing
$147,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,739.19
Your down payment$133,739.19
Closing costs + prepaids$13,852.23
Total buyer cash needed$147,591.42
Remaining funds due$147,591.42
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%)$1,906.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$396.00
Initial HOA (3 months)$125.01
Prepaid interest, first (25 days)$806.92
Fees + prepaids$13,852.23
Your down payment is the seller’s equity. You take over the $381,261 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $147,591.42 is due at closing. Uses and sources reconcile at $528,852.23 each. Not a Closing Disclosure.