Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$154,710Cash toward the purchase price.
Closing costs + prepaids$14,756Not just lender fees.
Before credits & paid funds$169,467The complete starting cash picture.
Estimated remaining funds due at closing
$169,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,710.42
Your down payment$154,710.42
Closing costs + prepaids$14,756.40
Total buyer cash needed$169,466.82
Remaining funds due$169,466.82
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,201.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$714.00
Initial HOA (3 months)$35.01
Prepaid interest, first (12 days)$387.94
Fees + prepaids$14,756.40
Your down payment is the seller’s equity. You take over the $440,290 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $169,466.82 is due at closing. Uses and sources reconcile at $609,756.40 each. Not a Closing Disclosure.