Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$164,139Cash toward the purchase price.
Closing costs + prepaids$16,345Not just lender fees.
Before credits & paid funds$180,484The complete starting cash picture.
Estimated remaining funds due at closing
$180,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,139.12
Your down payment$164,139.12
Closing costs + prepaids$16,344.99
Total buyer cash needed$180,484.11
Remaining funds due$180,484.11
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%)$6,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,353.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$984.00
Initial HOA (3 months)$81.51
Prepaid interest, first (28 days)$1,108.67
Fees + prepaids$16,344.99
Your down payment is the seller’s equity. You take over the $470,761 balance, so the rest of the $634,900 price is paid at closing. A second mortgage can cover part of it. $180,484.11 is due at closing. Uses and sources reconcile at $651,244.99 each. Not a Closing Disclosure.