Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$137,711Cash toward the purchase price.
Closing costs + prepaids$14,920Not just lender fees.
Before credits & paid funds$152,631The complete starting cash picture.
Estimated remaining funds due at closing
$152,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,711.12
Your down payment$137,711.12
Closing costs + prepaids$14,919.99
Total buyer cash needed$152,631.11
Remaining funds due$152,631.11
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,461.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$612.99
Prepaid interest, first (2 days)$77.55
Fees + prepaids$14,919.99
Your down payment is the seller’s equity. You take over the $492,289 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $152,631.11 is due at closing. Uses and sources reconcile at $644,919.99 each. Not a Closing Disclosure.