Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$155,984Cash toward the purchase price.
Closing costs + prepaids$15,876Not just lender fees.
Before credits & paid funds$171,859The complete starting cash picture.
Estimated remaining funds due at closing
$171,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,983.86
Your down payment$155,983.86
Closing costs + prepaids$15,875.57
Total buyer cash needed$171,859.43
Remaining funds due$171,859.43
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,345.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Initial HOA (3 months)$6.24
Prepaid interest, first (12 days)$1,056.25
Fees + prepaids$15,875.57
Your down payment is the seller’s equity. You take over the $469,016 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $171,859.43 is due at closing. Uses and sources reconcile at $640,875.57 each. Not a Closing Disclosure.