Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$149,091Cash toward the purchase price.
Closing costs + prepaids$17,223Not just lender fees.
Before credits & paid funds$166,314The complete starting cash picture.
Estimated remaining funds due at closing
$166,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,090.88
Your down payment$149,090.88
Closing costs + prepaids$17,223.11
Total buyer cash needed$166,313.99
Remaining funds due$166,313.99
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%)$6,266.40
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,387.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,626.75
Initial HOA (3 months)$538.74
Prepaid interest, first (25 days)$935.47
Fees + prepaids$17,223.11
Your down payment is the seller’s equity. You take over the $477,549 balance, so the rest of the $626,640 price is paid at closing. A second mortgage can cover part of it. $166,313.99 is due at closing. Uses and sources reconcile at $643,863.11 each. Not a Closing Disclosure.