Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$180,262Cash toward the purchase price.
Closing costs + prepaids$16,220Not just lender fees.
Before credits & paid funds$196,482The complete starting cash picture.
Estimated remaining funds due at closing
$196,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,262.45
Your down payment$180,262.45
Closing costs + prepaids$16,220.02
Total buyer cash needed$196,482.48
Remaining funds due$196,482.48
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%)$2,173.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$732.50
Prepaid interest, first (21 days)$1,695.83
Fees + prepaids$16,220.02
Your down payment is the seller’s equity. You take over the $434,738 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $196,482.48 is due at closing. Uses and sources reconcile at $631,220.02 each. Not a Closing Disclosure.