Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$162,697Cash toward the purchase price.
Closing costs + prepaids$15,735Not just lender fees.
Before credits & paid funds$178,432The complete starting cash picture.
Estimated remaining funds due at closing
$178,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,697.42
Your down payment$162,697.42
Closing costs + prepaids$15,734.64
Total buyer cash needed$178,432.06
Remaining funds due$178,432.06
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%)$2,311.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Prepaid interest, first (28 days)$1,117.13
Fees + prepaids$15,734.64
Your down payment is the seller’s equity. You take over the $462,303 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $178,432.06 is due at closing. Uses and sources reconcile at $640,734.64 each. Not a Closing Disclosure.