Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$165,603Cash toward the purchase price.
Closing costs + prepaids$13,954Not just lender fees.
Before credits & paid funds$179,557The complete starting cash picture.
Estimated remaining funds due at closing
$179,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,603.28
Your down payment$165,603.28
Closing costs + prepaids$13,953.81
Total buyer cash needed$179,557.08
Remaining funds due$179,557.08
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,871.98
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)$538.82
Fees + prepaids$13,953.81
Your down payment is the seller’s equity. You take over the $374,397 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $179,557.08 is due at closing. Uses and sources reconcile at $553,953.81 each. Not a Closing Disclosure.