Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$174,185Cash toward the purchase price.
Closing costs + prepaids$15,043Not just lender fees.
Before credits & paid funds$189,229The complete starting cash picture.
Estimated remaining funds due at closing
$189,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,185.40
Your down payment$174,185.40
Closing costs + prepaids$15,043.29
Total buyer cash needed$189,228.68
Remaining funds due$189,228.68
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,704.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,313.25
Initial HOA (3 months)$1,275.00
Prepaid interest, first (4 days)$132.96
Fees + prepaids$15,043.29
Your down payment is the seller’s equity. You take over the $340,815 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $189,228.68 is due at closing. Uses and sources reconcile at $530,043.29 each. Not a Closing Disclosure.