Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$154,806Cash toward the purchase price.
Closing costs + prepaids$15,732Not just lender fees.
Before credits & paid funds$170,538The complete starting cash picture.
Estimated remaining funds due at closing
$170,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,805.83
Your down payment$154,805.83
Closing costs + prepaids$15,732.35
Total buyer cash needed$170,538.19
Remaining funds due$170,538.19
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,800.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$395.50
Initial HOA (3 months)$1,350.00
Prepaid interest, first (24 days)$1,567.88
Fees + prepaids$15,732.35
Your down payment is the seller’s equity. You take over the $360,194 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $170,538.19 is due at closing. Uses and sources reconcile at $530,732.35 each. Not a Closing Disclosure.