Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$125,897Cash toward the purchase price.
Closing costs + prepaids$17,486Not just lender fees.
Before credits & paid funds$143,383The complete starting cash picture.
Estimated remaining funds due at closing
$143,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,896.93
Your down payment$125,896.93
Closing costs + prepaids$17,486.17
Total buyer cash needed$143,383.10
Remaining funds due$143,383.10
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%)$6,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,415.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$788.75
Prepaid interest, first (30 days)$2,723.91
Fees + prepaids$17,486.17
Your down payment is the seller’s equity. You take over the $483,103 balance, so the rest of the $609,000 price is paid at closing. A second mortgage can cover part of it. $143,383.10 is due at closing. Uses and sources reconcile at $626,486.17 each. Not a Closing Disclosure.