Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$133,447Cash toward the purchase price.
Closing costs + prepaids$15,038Not just lender fees.
Before credits & paid funds$148,486The complete starting cash picture.
Estimated remaining funds due at closing
$148,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,447.26
Your down payment$133,447.26
Closing costs + prepaids$15,038.44
Total buyer cash needed$148,485.71
Remaining funds due$148,485.71
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%)$5,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,982.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$423.75
Initial HOA (3 months)$369.00
Prepaid interest, first (20 days)$1,494.95
Fees + prepaids$15,038.44
Your down payment is the seller’s equity. You take over the $396,552 balance, so the rest of the $529,999 price is paid at closing. A second mortgage can cover part of it. $148,485.71 is due at closing. Uses and sources reconcile at $545,037.44 each. Not a Closing Disclosure.