Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$143,870Cash toward the purchase price.
Closing costs + prepaids$13,499Not just lender fees.
Before credits & paid funds$157,369The complete starting cash picture.
Estimated remaining funds due at closing
$157,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,869.65
Your down payment$143,869.65
Closing costs + prepaids$13,498.90
Total buyer cash needed$157,368.55
Remaining funds due$157,368.55
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,830.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$612.00
Initial HOA (3 months)$150.00
Prepaid interest, first (12 days)$338.24
Fees + prepaids$13,498.90
Your down payment is the seller’s equity. You take over the $366,130 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $157,368.55 is due at closing. Uses and sources reconcile at $523,498.90 each. Not a Closing Disclosure.