Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$181,360Cash toward the purchase price.
Closing costs + prepaids$16,057Not just lender fees.
Before credits & paid funds$197,417The complete starting cash picture.
Estimated remaining funds due at closing
$197,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,360.24
Your down payment$181,360.24
Closing costs + prepaids$16,057.14
Total buyer cash needed$197,417.38
Remaining funds due$197,417.38
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,218.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,085.50
Initial HOA (3 months)$215.01
Prepaid interest, first (25 days)$820.43
Fees + prepaids$16,057.14
Your down payment is the seller’s equity. You take over the $443,640 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $197,417.38 is due at closing. Uses and sources reconcile at $641,057.14 each. Not a Closing Disclosure.