Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$146,782Cash toward the purchase price.
Closing costs + prepaids$14,122Not just lender fees.
Before credits & paid funds$160,904The complete starting cash picture.
Estimated remaining funds due at closing
$160,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,781.72
Your down payment$146,781.72
Closing costs + prepaids$14,122.32
Total buyer cash needed$160,904.04
Remaining funds due$160,904.04
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,915.59
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)$360.99
Prepaid interest, first (6 days)$442.74
Fees + prepaids$14,122.32
Your down payment is the seller’s equity. You take over the $383,118 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $160,904.04 is due at closing. Uses and sources reconcile at $544,022.32 each. Not a Closing Disclosure.