Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$167,378Cash toward the purchase price.
Closing costs + prepaids$14,550Not just lender fees.
Before credits & paid funds$181,928The complete starting cash picture.
Estimated remaining funds due at closing
$181,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,377.99
Your down payment$167,377.99
Closing costs + prepaids$14,549.73
Total buyer cash needed$181,927.73
Remaining funds due$181,927.73
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,862.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$675.00
Prepaid interest, first (17 days)$1,145.12
Fees + prepaids$14,549.73
Your down payment is the seller’s equity. You take over the $372,522 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $181,927.73 is due at closing. Uses and sources reconcile at $554,449.73 each. Not a Closing Disclosure.