Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$166,378Cash toward the purchase price.
Closing costs + prepaids$13,923Not just lender fees.
Before credits & paid funds$180,301The complete starting cash picture.
Estimated remaining funds due at closing
$180,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,378.14
Your down payment$166,378.14
Closing costs + prepaids$13,922.99
Total buyer cash needed$180,301.13
Remaining funds due$180,301.13
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%)$1,793.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$419.50
Initial HOA (3 months)$170.01
Prepaid interest, first (27 days)$822.37
Fees + prepaids$13,922.99
Your down payment is the seller’s equity. You take over the $358,622 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $180,301.13 is due at closing. Uses and sources reconcile at $538,922.99 each. Not a Closing Disclosure.