Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$142,104Cash toward the purchase price.
Closing costs + prepaids$15,231Not just lender fees.
Before credits & paid funds$157,335The complete starting cash picture.
Estimated remaining funds due at closing
$157,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,104.46
Your down payment$142,104.46
Closing costs + prepaids$15,230.79
Total buyer cash needed$157,335.24
Remaining funds due$157,335.24
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,038.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$972.25
Initial HOA (3 months)$261.00
Prepaid interest, first (25 days)$991.56
Fees + prepaids$15,230.79
Your down payment is the seller’s equity. You take over the $407,796 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $157,335.24 is due at closing. Uses and sources reconcile at $565,130.79 each. Not a Closing Disclosure.