Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$159,646Cash toward the purchase price.
Closing costs + prepaids$15,846Not just lender fees.
Before credits & paid funds$175,492The complete starting cash picture.
Estimated remaining funds due at closing
$175,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,646.39
Your down payment$159,646.39
Closing costs + prepaids$15,845.80
Total buyer cash needed$175,492.18
Remaining funds due$175,492.18
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%)$6,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,301.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$714.25
Initial HOA (3 months)$384.00
Prepaid interest, first (20 days)$779.28
Fees + prepaids$15,845.80
Your down payment is the seller’s equity. You take over the $460,254 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $175,492.18 is due at closing. Uses and sources reconcile at $635,745.80 each. Not a Closing Disclosure.