Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$156,378Cash toward the purchase price.
Closing costs + prepaids$13,504Not just lender fees.
Before credits & paid funds$169,882The complete starting cash picture.
Estimated remaining funds due at closing
$169,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,378.14
Your down payment$156,378.14
Closing costs + prepaids$13,503.70
Total buyer cash needed$169,881.84
Remaining funds due$169,881.84
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,793.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.00
Initial HOA (3 months)$170.01
Prepaid interest, first (10 days)$304.58
Fees + prepaids$13,503.70
Your down payment is the seller’s equity. You take over the $358,622 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $169,881.84 is due at closing. Uses and sources reconcile at $528,503.70 each. Not a Closing Disclosure.