Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$130,979Cash toward the purchase price.
Closing costs + prepaids$17,267Not just lender fees.
Before credits & paid funds$148,246The complete starting cash picture.
Estimated remaining funds due at closing
$148,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,978.58
Your down payment$130,978.58
Closing costs + prepaids$17,267.44
Total buyer cash needed$148,246.02
Remaining funds due$148,246.02
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%)$6,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,440.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,547.50
Initial HOA (3 months)$480.00
Prepaid interest, first (28 days)$1,141.84
Fees + prepaids$17,267.44
Your down payment is the seller’s equity. You take over the $488,021 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $148,246.02 is due at closing. Uses and sources reconcile at $636,267.44 each. Not a Closing Disclosure.