Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$147,330Cash toward the purchase price.
Closing costs + prepaids$14,037Not just lender fees.
Before credits & paid funds$161,367The complete starting cash picture.
Estimated remaining funds due at closing
$161,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,330.25
Your down payment$147,330.25
Closing costs + prepaids$14,036.84
Total buyer cash needed$161,367.09
Remaining funds due$161,367.09
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,887.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$658.75
Prepaid interest, first (25 days)$773.24
Fees + prepaids$14,036.84
Your down payment is the seller’s equity. You take over the $377,570 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $161,367.09 is due at closing. Uses and sources reconcile at $538,936.84 each. Not a Closing Disclosure.