Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$169,160Cash toward the purchase price.
Closing costs + prepaids$16,552Not just lender fees.
Before credits & paid funds$185,712The complete starting cash picture.
Estimated remaining funds due at closing
$185,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,159.82
Your down payment$169,159.82
Closing costs + prepaids$16,551.77
Total buyer cash needed$185,711.59
Remaining funds due$185,711.59
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%)$2,229.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,632.50
Prepaid interest, first (2 days)$72.07
Fees + prepaids$16,551.77
Your down payment is the seller’s equity. You take over the $445,840 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $185,711.59 is due at closing. Uses and sources reconcile at $631,551.77 each. Not a Closing Disclosure.