Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$177,378Cash toward the purchase price.
Closing costs + prepaids$15,403Not just lender fees.
Before credits & paid funds$192,781The complete starting cash picture.
Estimated remaining funds due at closing
$192,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,378.14
Your down payment$177,378.14
Closing costs + prepaids$15,402.96
Total buyer cash needed$192,781.10
Remaining funds due$192,781.10
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,262.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$756.00
Initial HOA (3 months)$174.00
Prepaid interest, first (12 days)$443.35
Fees + prepaids$15,402.96
Your down payment is the seller’s equity. You take over the $452,522 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $192,781.10 is due at closing. Uses and sources reconcile at $645,302.96 each. Not a Closing Disclosure.