Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$145,943Cash toward the purchase price.
Closing costs + prepaids$14,493Not just lender fees.
Before credits & paid funds$160,436The complete starting cash picture.
Estimated remaining funds due at closing
$160,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,943.09
Your down payment$145,943.09
Closing costs + prepaids$14,493.29
Total buyer cash needed$160,436.38
Remaining funds due$160,436.38
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,920.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$793.00
Initial HOA (3 months)$246.00
Prepaid interest, first (26 days)$766.01
Fees + prepaids$14,493.29
Your down payment is the seller’s equity. You take over the $384,057 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $160,436.38 is due at closing. Uses and sources reconcile at $544,493.29 each. Not a Closing Disclosure.