Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$136,152Cash toward the purchase price.
Closing costs + prepaids$17,091Not just lender fees.
Before credits & paid funds$153,243The complete starting cash picture.
Estimated remaining funds due at closing
$153,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,152.05
Your down payment$136,152.05
Closing costs + prepaids$17,090.83
Total buyer cash needed$153,242.87
Remaining funds due$153,242.87
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%)$2,444.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.50
Initial HOA (3 months)$405.00
Prepaid interest, first (24 days)$961.09
Fees + prepaids$17,090.83
Your down payment is the seller’s equity. You take over the $488,848 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $153,242.87 is due at closing. Uses and sources reconcile at $642,090.83 each. Not a Closing Disclosure.