Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$153,741Cash toward the purchase price.
Closing costs + prepaids$16,481Not just lender fees.
Before credits & paid funds$170,223The complete starting cash picture.
Estimated remaining funds due at closing
$170,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,741.44
Your down payment$153,741.44
Closing costs + prepaids$16,481.08
Total buyer cash needed$170,222.52
Remaining funds due$170,222.52
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%)$6,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,256.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,512.50
Prepaid interest, first (28 days)$1,194.29
Fees + prepaids$16,481.08
Your down payment is the seller’s equity. You take over the $451,259 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $170,222.52 is due at closing. Uses and sources reconcile at $621,481.08 each. Not a Closing Disclosure.