Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$167,406Cash toward the purchase price.
Closing costs + prepaids$15,017Not just lender fees.
Before credits & paid funds$182,422The complete starting cash picture.
Estimated remaining funds due at closing
$182,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,405.74
Your down payment$167,405.74
Closing costs + prepaids$15,016.64
Total buyer cash needed$182,422.38
Remaining funds due$182,422.38
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%)$5,399.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,862.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,377.00
Initial HOA (3 months)$660.00
Prepaid interest, first (5 days)$248.81
Fees + prepaids$15,016.64
Your down payment is the seller’s equity. You take over the $372,584 balance, so the rest of the $539,990 price is paid at closing. A second mortgage can cover part of it. $182,422.38 is due at closing. Uses and sources reconcile at $555,006.64 each. Not a Closing Disclosure.