Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$146,180Cash toward the purchase price.
Closing costs + prepaids$17,957Not just lender fees.
Before credits & paid funds$164,137The complete starting cash picture.
Estimated remaining funds due at closing
$164,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,179.85
Your down payment$146,179.85
Closing costs + prepaids$17,957.20
Total buyer cash needed$164,137.05
Remaining funds due$164,137.05
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%)$2,394.10
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)$891.00
Prepaid interest, first (24 days)$1,391.60
Fees + prepaids$17,957.20
Your down payment is the seller’s equity. You take over the $478,820 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $164,137.05 is due at closing. Uses and sources reconcile at $642,957.20 each. Not a Closing Disclosure.