Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$162,964Cash toward the purchase price.
Closing costs + prepaids$14,603Not just lender fees.
Before credits & paid funds$177,566The complete starting cash picture.
Estimated remaining funds due at closing
$177,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,963.65
Your down payment$162,963.65
Closing costs + prepaids$14,602.63
Total buyer cash needed$177,566.27
Remaining funds due$177,566.27
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,835.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$613.25
Initial HOA (3 months)$504.00
Prepaid interest, first (31 days)$882.19
Fees + prepaids$14,602.63
Your down payment is the seller’s equity. You take over the $367,036 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $177,566.27 is due at closing. Uses and sources reconcile at $544,602.63 each. Not a Closing Disclosure.