Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$127,036Cash toward the purchase price.
Closing costs + prepaids$17,998Not just lender fees.
Before credits & paid funds$145,034The complete starting cash picture.
Estimated remaining funds due at closing
$145,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,036.13
Your down payment$127,036.13
Closing costs + prepaids$17,997.62
Total buyer cash needed$145,033.75
Remaining funds due$145,033.75
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,489.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,655.50
Initial HOA (3 months)$255.00
Prepaid interest, first (29 days)$1,879.30
Fees + prepaids$17,997.62
Your down payment is the seller’s equity. You take over the $497,964 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $145,033.75 is due at closing. Uses and sources reconcile at $642,997.62 each. Not a Closing Disclosure.