Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$135,833Cash toward the purchase price.
Closing costs + prepaids$15,710Not just lender fees.
Before credits & paid funds$151,543The complete starting cash picture.
Estimated remaining funds due at closing
$151,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,833.05
Your down payment$135,833.05
Closing costs + prepaids$15,710.44
Total buyer cash needed$151,543.48
Remaining funds due$151,543.48
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%)$5,399.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,020.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,203.50
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$1,468.25
Fees + prepaids$15,710.44
Your down payment is the seller’s equity. You take over the $404,157 balance, so the rest of the $539,990 price is paid at closing. A second mortgage can cover part of it. $151,543.48 is due at closing. Uses and sources reconcile at $555,700.44 each. Not a Closing Disclosure.