Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$164,021Cash toward the purchase price.
Closing costs + prepaids$16,205Not just lender fees.
Before credits & paid funds$180,226The complete starting cash picture.
Estimated remaining funds due at closing
$180,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,020.85
Your down payment$164,020.85
Closing costs + prepaids$16,205.46
Total buyer cash needed$180,226.31
Remaining funds due$180,226.31
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%)$2,304.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$531.25
Prepaid interest, first (25 days)$1,651.32
Fees + prepaids$16,205.46
Your down payment is the seller’s equity. You take over the $460,979 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $180,226.31 is due at closing. Uses and sources reconcile at $641,205.46 each. Not a Closing Disclosure.