Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$138,117Cash toward the purchase price.
Closing costs + prepaids$17,084Not just lender fees.
Before credits & paid funds$155,201The complete starting cash picture.
Estimated remaining funds due at closing
$155,201No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,117.08
Your down payment$138,117.08
Closing costs + prepaids$17,083.76
Total buyer cash needed$155,200.84
Remaining funds due$155,200.84
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,034.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,362.50
Initial HOA (3 months)$1,284.00
Prepaid interest, first (24 days)$1,484.84
Fees + prepaids$17,083.76
Your down payment is the seller’s equity. You take over the $406,883 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $155,200.84 is due at closing. Uses and sources reconcile at $562,083.76 each. Not a Closing Disclosure.