Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$145,622Cash toward the purchase price.
Closing costs + prepaids$16,254Not just lender fees.
Before credits & paid funds$161,877The complete starting cash picture.
Estimated remaining funds due at closing
$161,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,622.48
Your down payment$145,622.48
Closing costs + prepaids$16,254.34
Total buyer cash needed$161,876.82
Remaining funds due$161,876.82
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,871.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,039.75
Prepaid interest, first (22 days)$674.70
Fees + prepaids$16,254.34
Your down payment is the seller’s equity. You take over the $374,378 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $161,876.82 is due at closing. Uses and sources reconcile at $536,254.34 each. Not a Closing Disclosure.