Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$163,392Cash toward the purchase price.
Closing costs + prepaids$14,768Not just lender fees.
Before credits & paid funds$178,160The complete starting cash picture.
Estimated remaining funds due at closing
$178,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,392.49
Your down payment$163,392.49
Closing costs + prepaids$14,767.59
Total buyer cash needed$178,160.08
Remaining funds due$178,160.08
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,882.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,353.75
Prepaid interest, first (23 days)$664.30
Fees + prepaids$14,767.59
Your down payment is the seller’s equity. You take over the $376,508 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $178,160.08 is due at closing. Uses and sources reconcile at $554,667.59 each. Not a Closing Disclosure.