Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$145,580Cash toward the purchase price.
Closing costs + prepaids$15,787Not just lender fees.
Before credits & paid funds$161,367The complete starting cash picture.
Estimated remaining funds due at closing
$161,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,580.32
Your down payment$145,580.32
Closing costs + prepaids$15,786.81
Total buyer cash needed$161,367.13
Remaining funds due$161,367.13
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%)$2,347.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$597.75
Prepaid interest, first (31 days)$1,223.96
Fees + prepaids$15,786.81
Your down payment is the seller’s equity. You take over the $469,420 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $161,367.13 is due at closing. Uses and sources reconcile at $630,786.81 each. Not a Closing Disclosure.