Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$168,087Cash toward the purchase price.
Closing costs + prepaids$13,808Not just lender fees.
Before credits & paid funds$181,895The complete starting cash picture.
Estimated remaining funds due at closing
$181,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,086.89
Your down payment$168,086.89
Closing costs + prepaids$13,808.29
Total buyer cash needed$181,895.19
Remaining funds due$181,895.19
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,709.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.25
Initial HOA (3 months)$210.00
Prepaid interest, first (27 days)$690.48
Fees + prepaids$13,808.29
Your down payment is the seller’s equity. You take over the $341,913 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $181,895.19 is due at closing. Uses and sources reconcile at $523,808.29 each. Not a Closing Disclosure.