Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$128,711Cash toward the purchase price.
Closing costs + prepaids$17,322Not just lender fees.
Before credits & paid funds$146,034The complete starting cash picture.
Estimated remaining funds due at closing
$146,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,711.28
Your down payment$128,711.28
Closing costs + prepaids$17,322.33
Total buyer cash needed$146,033.61
Remaining funds due$146,033.61
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,431.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,202.50
Prepaid interest, first (28 days)$2,070.39
Fees + prepaids$17,322.33
Your down payment is the seller’s equity. You take over the $486,289 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $146,033.61 is due at closing. Uses and sources reconcile at $632,322.33 each. Not a Closing Disclosure.