Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$134,887Cash toward the purchase price.
Closing costs + prepaids$16,160Not just lender fees.
Before credits & paid funds$151,047The complete starting cash picture.
Estimated remaining funds due at closing
$151,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,887.43
Your down payment$134,887.43
Closing costs + prepaids$16,160.05
Total buyer cash needed$151,047.48
Remaining funds due$151,047.48
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%)$2,400.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,129.50
Initial HOA (3 months)$28.74
Prepaid interest, first (26 days)$983.24
Fees + prepaids$16,160.05
Your down payment is the seller’s equity. You take over the $480,113 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $151,047.48 is due at closing. Uses and sources reconcile at $631,160.05 each. Not a Closing Disclosure.