Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$125,954Cash toward the purchase price.
Closing costs + prepaids$16,772Not just lender fees.
Before credits & paid funds$142,726The complete starting cash picture.
Estimated remaining funds due at closing
$142,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,953.61
Your down payment$125,953.61
Closing costs + prepaids$16,772.14
Total buyer cash needed$142,725.75
Remaining funds due$142,725.75
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%)$6,089.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,414.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,522.25
Prepaid interest, first (28 days)$1,278.15
Fees + prepaids$16,772.14
Your down payment is the seller’s equity. You take over the $482,946 balance, so the rest of the $608,900 price is paid at closing. A second mortgage can cover part of it. $142,725.75 is due at closing. Uses and sources reconcile at $625,672.14 each. Not a Closing Disclosure.