Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$132,936Cash toward the purchase price.
Closing costs + prepaids$13,768Not just lender fees.
Before credits & paid funds$146,703The complete starting cash picture.
Estimated remaining funds due at closing
$146,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,935.55
Your down payment$132,935.55
Closing costs + prepaids$13,767.89
Total buyer cash needed$146,703.44
Remaining funds due$146,703.44
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,985.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$636.00
Prepaid interest, first (12 days)$378.57
Fees + prepaids$13,767.89
Your down payment is the seller’s equity. You take over the $397,064 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $146,703.44 is due at closing. Uses and sources reconcile at $543,767.89 each. Not a Closing Disclosure.