Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$135,209Cash toward the purchase price.
Closing costs + prepaids$14,163Not just lender fees.
Before credits & paid funds$149,372The complete starting cash picture.
Estimated remaining funds due at closing
$149,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,208.92
Your down payment$135,208.92
Closing costs + prepaids$14,162.81
Total buyer cash needed$149,371.73
Remaining funds due$149,371.73
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,948.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Initial HOA (3 months)$192.00
Prepaid interest, first (10 days)$673.86
Fees + prepaids$14,162.81
Your down payment is the seller’s equity. You take over the $389,791 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $149,371.73 is due at closing. Uses and sources reconcile at $539,162.81 each. Not a Closing Disclosure.