Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,237Cash toward the purchase price.
Closing costs + prepaids$18,246Not just lender fees.
Before credits & paid funds$120,483The complete starting cash picture.
Estimated remaining funds due at closing
$120,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,237.37
Your down payment$102,237.37
Closing costs + prepaids$18,246.07
Total buyer cash needed$120,483.44
Remaining funds due$120,483.44
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%)$2,563.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,396.00
Initial HOA (3 months)$21.00
Prepaid interest, first (28 days)$2,647.26
Fees + prepaids$18,246.07
Your down payment is the seller’s equity. You take over the $512,763 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $120,483.44 is due at closing. Uses and sources reconcile at $633,246.07 each. Not a Closing Disclosure.