Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$144,465Cash toward the purchase price.
Closing costs + prepaids$18,286Not just lender fees.
Before credits & paid funds$162,751The complete starting cash picture.
Estimated remaining funds due at closing
$162,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,464.81
Your down payment$144,464.81
Closing costs + prepaids$18,286.27
Total buyer cash needed$162,751.08
Remaining funds due$162,751.08
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%)$2,452.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,350.50
Initial HOA (3 months)$600.00
Prepaid interest, first (27 days)$1,066.60
Fees + prepaids$18,286.27
Your down payment is the seller’s equity. You take over the $490,435 balance, so the rest of the $634,900 price is paid at closing. A second mortgage can cover part of it. $162,751.08 is due at closing. Uses and sources reconcile at $653,186.27 each. Not a Closing Disclosure.