Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$155,984Cash toward the purchase price.
Closing costs + prepaids$17,228Not just lender fees.
Before credits & paid funds$173,212The complete starting cash picture.
Estimated remaining funds due at closing
$173,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,983.86
Your down payment$155,983.86
Closing costs + prepaids$17,228.17
Total buyer cash needed$173,212.04
Remaining funds due$173,212.04
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%)$2,345.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$606.25
Initial HOA (3 months)$6.24
Prepaid interest, first (29 days)$2,552.60
Fees + prepaids$17,228.17
Your down payment is the seller’s equity. You take over the $469,016 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $173,212.04 is due at closing. Uses and sources reconcile at $642,228.17 each. Not a Closing Disclosure.