Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$145,580Cash toward the purchase price.
Closing costs + prepaids$15,374Not just lender fees.
Before credits & paid funds$160,955The complete starting cash picture.
Estimated remaining funds due at closing
$160,955No 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$15,374.30
Total buyer cash needed$160,954.63
Remaining funds due$160,954.63
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)$738.00
Prepaid interest, first (17 days)$671.21
Fees + prepaids$15,374.30
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. $160,954.63 is due at closing. Uses and sources reconcile at $630,374.30 each. Not a Closing Disclosure.