Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$158,573Cash toward the purchase price.
Closing costs + prepaids$13,829Not just lender fees.
Before credits & paid funds$172,402The complete starting cash picture.
Estimated remaining funds due at closing
$172,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,572.95
Your down payment$158,572.95
Closing costs + prepaids$13,829.30
Total buyer cash needed$172,402.26
Remaining funds due$172,402.26
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,752.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$475.00
Initial HOA (3 months)$189.99
Prepaid interest, first (31 days)$854.18
Fees + prepaids$13,829.30
Your down payment is the seller’s equity. You take over the $350,427 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $172,402.26 is due at closing. Uses and sources reconcile at $522,829.30 each. Not a Closing Disclosure.