Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$145,808Cash toward the purchase price.
Closing costs + prepaids$14,969Not just lender fees.
Before credits & paid funds$160,777The complete starting cash picture.
Estimated remaining funds due at closing
$160,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,807.65
Your down payment$145,807.65
Closing costs + prepaids$14,969.25
Total buyer cash needed$160,776.90
Remaining funds due$160,776.90
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,970.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,350.00
Prepaid interest, first (25 days)$780.28
Fees + prepaids$14,969.25
Your down payment is the seller’s equity. You take over the $394,192 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $160,776.90 is due at closing. Uses and sources reconcile at $554,969.25 each. Not a Closing Disclosure.