Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$131,908Cash toward the purchase price.
Closing costs + prepaids$13,869Not just lender fees.
Before credits & paid funds$145,777The complete starting cash picture.
Estimated remaining funds due at closing
$145,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,907.58
Your down payment$131,907.58
Closing costs + prepaids$13,869.10
Total buyer cash needed$145,776.67
Remaining funds due$145,776.67
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%)$1,915.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$99.00
Initial HOA (3 months)$228.00
Prepaid interest, first (31 days)$1,008.64
Fees + prepaids$13,869.10
Your down payment is the seller’s equity. You take over the $383,092 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $145,776.67 is due at closing. Uses and sources reconcile at $528,869.10 each. Not a Closing Disclosure.