Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$150,158Cash toward the purchase price.
Closing costs + prepaids$16,488Not just lender fees.
Before credits & paid funds$166,646The complete starting cash picture.
Estimated remaining funds due at closing
$166,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,158.06
Your down payment$150,158.06
Closing costs + prepaids$16,487.67
Total buyer cash needed$166,645.73
Remaining funds due$166,645.73
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%)$1,849.21
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)$1,650.00
Prepaid interest, first (27 days)$1,020.46
Fees + prepaids$16,487.67
Your down payment is the seller’s equity. You take over the $369,842 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $166,645.73 is due at closing. Uses and sources reconcile at $536,487.67 each. Not a Closing Disclosure.