Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$131,134Cash toward the purchase price.
Closing costs + prepaids$14,118Not just lender fees.
Before credits & paid funds$145,252The complete starting cash picture.
Estimated remaining funds due at closing
$145,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,133.96
Your down payment$131,133.96
Closing costs + prepaids$14,117.75
Total buyer cash needed$145,251.71
Remaining funds due$145,251.71
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,044.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.00
Initial HOA (3 months)$12.00
Prepaid interest, first (9 days)$545.42
Fees + prepaids$14,117.75
Your down payment is the seller’s equity. You take over the $408,866 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $145,251.71 is due at closing. Uses and sources reconcile at $554,117.75 each. Not a Closing Disclosure.