Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$136,816Cash toward the purchase price.
Closing costs + prepaids$14,272Not just lender fees.
Before credits & paid funds$151,088The complete starting cash picture.
Estimated remaining funds due at closing
$151,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,815.87
Your down payment$136,815.87
Closing costs + prepaids$14,272.13
Total buyer cash needed$151,088.00
Remaining funds due$151,088.00
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%)$5,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,965.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$636.00
Initial HOA (3 months)$369.00
Prepaid interest, first (9 days)$533.22
Fees + prepaids$14,272.13
Your down payment is the seller’s equity. You take over the $393,183 balance, so the rest of the $529,999 price is paid at closing. A second mortgage can cover part of it. $151,088.00 is due at closing. Uses and sources reconcile at $544,271.13 each. Not a Closing Disclosure.