Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$153,233Cash toward the purchase price.
Closing costs + prepaids$17,011Not just lender fees.
Before credits & paid funds$170,245The complete starting cash picture.
Estimated remaining funds due at closing
$170,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,233.48
Your down payment$153,233.48
Closing costs + prepaids$17,011.05
Total buyer cash needed$170,244.54
Remaining funds due$170,244.54
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%)$6,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,318.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,552.50
Initial HOA (3 months)$399.99
Prepaid interest, first (29 days)$1,101.73
Fees + prepaids$17,011.05
Your down payment is the seller’s equity. You take over the $463,767 balance, so the rest of the $617,000 price is paid at closing. A second mortgage can cover part of it. $170,244.54 is due at closing. Uses and sources reconcile at $634,011.05 each. Not a Closing Disclosure.