Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$102,237Cash toward the purchase price.
Closing costs + prepaids$16,075Not just lender fees.
Before credits & paid funds$118,313The complete starting cash picture.
Estimated remaining funds due at closing
$118,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,237.37
Your down payment$102,237.37
Closing costs + prepaids$16,075.35
Total buyer cash needed$118,312.72
Remaining funds due$118,312.72
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%)$2,563.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$738.00
Initial HOA (3 months)$21.00
Prepaid interest, first (12 days)$1,134.54
Fees + prepaids$16,075.35
Your down payment is the seller’s equity. You take over the $512,763 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $118,312.72 is due at closing. Uses and sources reconcile at $631,075.35 each. Not a Closing Disclosure.