Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$138,814Cash toward the purchase price.
Closing costs + prepaids$15,765Not just lender fees.
Before credits & paid funds$154,579The complete starting cash picture.
Estimated remaining funds due at closing
$154,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,813.59
Your down payment$138,813.59
Closing costs + prepaids$15,765.47
Total buyer cash needed$154,579.06
Remaining funds due$154,579.06
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,455.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$612.99
Prepaid interest, first (24 days)$928.54
Fees + prepaids$15,765.47
Your down payment is the seller’s equity. You take over the $491,186 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $154,579.06 is due at closing. Uses and sources reconcile at $645,765.47 each. Not a Closing Disclosure.