Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$136,611Cash toward the purchase price.
Closing costs + prepaids$14,501Not just lender fees.
Before credits & paid funds$151,111The complete starting cash picture.
Estimated remaining funds due at closing
$151,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,610.89
Your down payment$136,610.89
Closing costs + prepaids$14,500.57
Total buyer cash needed$151,111.47
Remaining funds due$151,111.47
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%)$5,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,036.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$249.75
Prepaid interest, first (18 days)$1,305.88
Fees + prepaids$14,500.57
Your down payment is the seller’s equity. You take over the $407,389 balance, so the rest of the $544,000 price is paid at closing. A second mortgage can cover part of it. $151,111.47 is due at closing. Uses and sources reconcile at $558,500.57 each. Not a Closing Disclosure.