Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$155,414Cash toward the purchase price.
Closing costs + prepaids$14,542Not just lender fees.
Before credits & paid funds$169,956The complete starting cash picture.
Estimated remaining funds due at closing
$169,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,413.79
Your down payment$155,413.79
Closing costs + prepaids$14,541.85
Total buyer cash needed$169,955.65
Remaining funds due$169,955.65
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,847.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$524.25
Initial HOA (3 months)$39.00
Prepaid interest, first (22 days)$1,414.17
Fees + prepaids$14,541.85
Your down payment is the seller’s equity. You take over the $369,486 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $169,955.65 is due at closing. Uses and sources reconcile at $539,441.85 each. Not a Closing Disclosure.