Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$157,632Cash toward the purchase price.
Closing costs + prepaids$17,042Not just lender fees.
Before credits & paid funds$174,673The complete starting cash picture.
Estimated remaining funds due at closing
$174,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,631.70
Your down payment$157,631.70
Closing costs + prepaids$17,041.74
Total buyer cash needed$174,673.44
Remaining funds due$174,673.44
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%)$6,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,411.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,600.00
Prepaid interest, first (28 days)$1,161.91
Fees + prepaids$17,041.74
Your down payment is the seller’s equity. You take over the $482,367 balance, so the rest of the $639,999 price is paid at closing. A second mortgage can cover part of it. $174,673.44 is due at closing. Uses and sources reconcile at $657,040.74 each. Not a Closing Disclosure.