Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$134,887Cash toward the purchase price.
Closing costs + prepaids$15,239Not just lender fees.
Before credits & paid funds$150,127The complete starting cash picture.
Estimated remaining funds due at closing
$150,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,887.43
Your down payment$134,887.43
Closing costs + prepaids$15,239.11
Total buyer cash needed$150,126.54
Remaining funds due$150,126.54
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%)$2,400.56
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)$28.74
Prepaid interest, first (12 days)$453.81
Fees + prepaids$15,239.11
Your down payment is the seller’s equity. You take over the $480,113 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $150,126.54 is due at closing. Uses and sources reconcile at $630,239.11 each. Not a Closing Disclosure.