Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$155,290Cash toward the purchase price.
Closing costs + prepaids$13,615Not just lender fees.
Before credits & paid funds$168,905The complete starting cash picture.
Estimated remaining funds due at closing
$168,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,289.68
Your down payment$155,289.68
Closing costs + prepaids$13,615.48
Total buyer cash needed$168,905.16
Remaining funds due$168,905.16
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,773.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$444.00
Prepaid interest, first (28 days)$829.92
Fees + prepaids$13,615.48
Your down payment is the seller’s equity. You take over the $354,710 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $168,905.16 is due at closing. Uses and sources reconcile at $523,615.48 each. Not a Closing Disclosure.