Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$156,642Cash toward the purchase price.
Closing costs + prepaids$13,668Not just lender fees.
Before credits & paid funds$170,309The complete starting cash picture.
Estimated remaining funds due at closing
$170,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,641.63
Your down payment$156,641.63
Closing costs + prepaids$13,667.82
Total buyer cash needed$170,309.45
Remaining funds due$170,309.45
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%)$1,791.79
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)$210.00
Prepaid interest, first (12 days)$430.03
Fees + prepaids$13,667.82
Your down payment is the seller’s equity. You take over the $358,358 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $170,309.45 is due at closing. Uses and sources reconcile at $528,667.82 each. Not a Closing Disclosure.