Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$156,378Cash toward the purchase price.
Closing costs + prepaids$13,473Not just lender fees.
Before credits & paid funds$169,851The complete starting cash picture.
Estimated remaining funds due at closing
$169,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,378.14
Your down payment$156,378.14
Closing costs + prepaids$13,473.24
Total buyer cash needed$169,851.38
Remaining funds due$169,851.38
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%)$1,793.11
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)$170.01
Prepaid interest, first (9 days)$274.12
Fees + prepaids$13,473.24
Your down payment is the seller’s equity. You take over the $358,622 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $169,851.38 is due at closing. Uses and sources reconcile at $528,473.24 each. Not a Closing Disclosure.