Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$147,274Cash toward the purchase price.
Closing costs + prepaids$17,634Not just lender fees.
Before credits & paid funds$164,908The complete starting cash picture.
Estimated remaining funds due at closing
$164,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,274.20
Your down payment$147,274.20
Closing costs + prepaids$17,634.16
Total buyer cash needed$164,908.35
Remaining funds due$164,908.35
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%)$2,338.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,751.25
Initial HOA (3 months)$570.00
Prepaid interest, first (27 days)$1,356.28
Fees + prepaids$17,634.16
Your down payment is the seller’s equity. You take over the $467,726 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $164,908.35 is due at closing. Uses and sources reconcile at $632,634.16 each. Not a Closing Disclosure.