Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$148,496Cash toward the purchase price.
Closing costs + prepaids$13,866Not just lender fees.
Before credits & paid funds$162,362The complete starting cash picture.
Estimated remaining funds due at closing
$162,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,495.93
Your down payment$148,495.93
Closing costs + prepaids$13,866.01
Total buyer cash needed$162,361.94
Remaining funds due$162,361.94
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,857.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$446.25
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$709.74
Fees + prepaids$13,866.01
Your down payment is the seller’s equity. You take over the $371,404 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $162,361.94 is due at closing. Uses and sources reconcile at $533,766.01 each. Not a Closing Disclosure.