Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$145,899Cash toward the purchase price.
Closing costs + prepaids$18,035Not just lender fees.
Before credits & paid funds$163,934The complete starting cash picture.
Estimated remaining funds due at closing
$163,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,899.46
Your down payment$145,899.46
Closing costs + prepaids$18,034.90
Total buyer cash needed$163,934.35
Remaining funds due$163,934.35
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,345.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,540.25
Initial HOA (3 months)$24.99
Prepaid interest, first (30 days)$2,506.15
Fees + prepaids$18,034.90
Your down payment is the seller’s equity. You take over the $469,101 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $163,934.35 is due at closing. Uses and sources reconcile at $633,034.90 each. Not a Closing Disclosure.