Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$158,635Cash toward the purchase price.
Closing costs + prepaids$15,111Not just lender fees.
Before credits & paid funds$173,745The complete starting cash picture.
Estimated remaining funds due at closing
$173,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,634.82
Your down payment$158,634.82
Closing costs + prepaids$15,110.63
Total buyer cash needed$173,745.45
Remaining funds due$173,745.45
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%)$6,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,306.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$714.25
Initial HOA (3 months)$384.00
Prepaid interest, first (1 days)$39.05
Fees + prepaids$15,110.63
Your down payment is the seller’s equity. You take over the $461,265 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $173,745.45 is due at closing. Uses and sources reconcile at $635,010.63 each. Not a Closing Disclosure.