Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$146,517Cash toward the purchase price.
Closing costs + prepaids$15,784Not just lender fees.
Before credits & paid funds$162,301The complete starting cash picture.
Estimated remaining funds due at closing
$162,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,516.92
Your down payment$146,516.92
Closing costs + prepaids$15,783.84
Total buyer cash needed$162,300.76
Remaining funds due$162,300.76
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,867.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,300.00
Initial HOA (3 months)$1,080.00
Prepaid interest, first (23 days)$868.42
Fees + prepaids$15,783.84
Your down payment is the seller’s equity. You take over the $373,483 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $162,300.76 is due at closing. Uses and sources reconcile at $535,783.84 each. Not a Closing Disclosure.