Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$169,078Cash toward the purchase price.
Closing costs + prepaids$14,051Not just lender fees.
Before credits & paid funds$183,128The complete starting cash picture.
Estimated remaining funds due at closing
$183,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,077.89
Your down payment$169,077.89
Closing costs + prepaids$14,050.51
Total buyer cash needed$183,128.40
Remaining funds due$183,128.40
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,854.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$597.00
Prepaid interest, first (27 days)$732.40
Fees + prepaids$14,050.51
Your down payment is the seller’s equity. You take over the $370,822 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $183,128.40 is due at closing. Uses and sources reconcile at $553,950.51 each. Not a Closing Disclosure.