Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$138,330Cash toward the purchase price.
Closing costs + prepaids$14,511Not just lender fees.
Before credits & paid funds$152,841The complete starting cash picture.
Estimated remaining funds due at closing
$152,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,329.81
Your down payment$138,329.81
Closing costs + prepaids$14,510.79
Total buyer cash needed$152,840.59
Remaining funds due$152,840.59
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,133.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$678.00
Initial HOA (3 months)$54.00
Prepaid interest, first (12 days)$527.43
Fees + prepaids$14,510.79
Your down payment is the seller’s equity. You take over the $426,670 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $152,840.59 is due at closing. Uses and sources reconcile at $579,510.79 each. Not a Closing Disclosure.