Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$155,290Cash toward the purchase price.
Closing costs + prepaids$13,319Not just lender fees.
Before credits & paid funds$168,609The complete starting cash picture.
Estimated remaining funds due at closing
$168,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,289.68
Your down payment$155,289.68
Closing costs + prepaids$13,319.07
Total buyer cash needed$168,608.76
Remaining funds due$168,608.76
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,773.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$444.00
Prepaid interest, first (18 days)$533.52
Fees + prepaids$13,319.07
Your down payment is the seller’s equity. You take over the $354,710 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $168,608.76 is due at closing. Uses and sources reconcile at $523,319.07 each. Not a Closing Disclosure.