Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$170,226Cash toward the purchase price.
Closing costs + prepaids$15,855Not just lender fees.
Before credits & paid funds$186,081The complete starting cash picture.
Estimated remaining funds due at closing
$186,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,225.59
Your down payment$170,225.59
Closing costs + prepaids$15,854.98
Total buyer cash needed$186,080.58
Remaining funds due$186,080.58
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,823.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,691.50
Initial HOA (3 months)$878.01
Prepaid interest, first (23 days)$643.60
Fees + prepaids$15,854.98
Your down payment is the seller’s equity. You take over the $364,774 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $186,080.58 is due at closing. Uses and sources reconcile at $550,854.98 each. Not a Closing Disclosure.