Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$131,837Cash toward the purchase price.
Closing costs + prepaids$16,080Not just lender fees.
Before credits & paid funds$147,918The complete starting cash picture.
Estimated remaining funds due at closing
$147,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,837.48
Your down payment$131,837.48
Closing costs + prepaids$16,080.36
Total buyer cash needed$147,917.83
Remaining funds due$147,917.83
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%)$6,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,365.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,055.25
Prepaid interest, first (31 days)$1,141.29
Fees + prepaids$16,080.36
Your down payment is the seller’s equity. You take over the $473,163 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $147,917.83 is due at closing. Uses and sources reconcile at $621,080.36 each. Not a Closing Disclosure.