Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$145,916Cash toward the purchase price.
Closing costs + prepaids$14,256Not just lender fees.
Before credits & paid funds$160,172The complete starting cash picture.
Estimated remaining funds due at closing
$160,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,916.03
Your down payment$145,916.03
Closing costs + prepaids$14,256.30
Total buyer cash needed$160,172.32
Remaining funds due$160,172.32
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%)$1,894.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$922.75
Prepaid interest, first (25 days)$721.63
Fees + prepaids$14,256.30
Your down payment is the seller’s equity. You take over the $378,984 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $160,172.32 is due at closing. Uses and sources reconcile at $539,156.30 each. Not a Closing Disclosure.