Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$154,722Cash toward the purchase price.
Closing costs + prepaids$16,277Not just lender fees.
Before credits & paid funds$170,999The complete starting cash picture.
Estimated remaining funds due at closing
$170,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,722.29
Your down payment$154,722.29
Closing costs + prepaids$16,276.85
Total buyer cash needed$170,999.14
Remaining funds due$170,999.14
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%)$6,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,275.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,011.25
Initial HOA (3 months)$450.00
Prepaid interest, first (26 days)$972.71
Fees + prepaids$16,276.85
Your down payment is the seller’s equity. You take over the $455,178 balance, so the rest of the $609,900 price is paid at closing. A second mortgage can cover part of it. $170,999.14 is due at closing. Uses and sources reconcile at $626,176.85 each. Not a Closing Disclosure.