Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$131,295Cash toward the purchase price.
Closing costs + prepaids$15,447Not just lender fees.
Before credits & paid funds$146,742The complete starting cash picture.
Estimated remaining funds due at closing
$146,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,294.67
Your down payment$131,294.67
Closing costs + prepaids$15,447.46
Total buyer cash needed$146,742.13
Remaining funds due$146,742.13
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%)$5,398.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,042.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$647.50
Prepaid interest, first (26 days)$1,891.44
Fees + prepaids$15,447.46
Your down payment is the seller’s equity. You take over the $408,505 balance, so the rest of the $539,800 price is paid at closing. A second mortgage can cover part of it. $146,742.13 is due at closing. Uses and sources reconcile at $555,247.46 each. Not a Closing Disclosure.