Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$142,763Cash toward the purchase price.
Closing costs + prepaids$15,586Not just lender fees.
Before credits & paid funds$158,350The complete starting cash picture.
Estimated remaining funds due at closing
$158,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,763.40
Your down payment$142,763.40
Closing costs + prepaids$15,586.48
Total buyer cash needed$158,349.88
Remaining funds due$158,349.88
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%)$5,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,156.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$393.50
Prepaid interest, first (23 days)$1,828.80
Fees + prepaids$15,586.48
Your down payment is the seller’s equity. You take over the $431,237 balance, so the rest of the $574,000 price is paid at closing. A second mortgage can cover part of it. $158,349.88 is due at closing. Uses and sources reconcile at $589,586.48 each. Not a Closing Disclosure.