Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$135,449Cash toward the purchase price.
Closing costs + prepaids$16,126Not just lender fees.
Before credits & paid funds$151,575The complete starting cash picture.
Estimated remaining funds due at closing
$151,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,449.07
Your down payment$135,449.07
Closing costs + prepaids$16,125.65
Total buyer cash needed$151,574.72
Remaining funds due$151,574.72
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%)$5,625.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,135.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$574.25
Initial HOA (3 months)$12.51
Prepaid interest, first (29 days)$2,310.64
Fees + prepaids$16,125.65
Your down payment is the seller’s equity. You take over the $427,051 balance, so the rest of the $562,500 price is paid at closing. A second mortgage can cover part of it. $151,574.72 is due at closing. Uses and sources reconcile at $578,625.65 each. Not a Closing Disclosure.