Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$141,007Cash toward the purchase price.
Closing costs + prepaids$15,760Not just lender fees.
Before credits & paid funds$156,766The complete starting cash picture.
Estimated remaining funds due at closing
$156,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,006.76
Your down payment$141,006.76
Closing costs + prepaids$15,759.66
Total buyer cash needed$156,766.42
Remaining funds due$156,766.42
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%)$5,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,508.25
Initial HOA (3 months)$77.49
Prepaid interest, first (24 days)$837.45
Fees + prepaids$15,759.66
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $504,900 price is paid at closing. A second mortgage can cover part of it. $156,766.42 is due at closing. Uses and sources reconcile at $520,659.66 each. Not a Closing Disclosure.