Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$160,173Cash toward the purchase price.
Closing costs + prepaids$15,558Not just lender fees.
Before credits & paid funds$175,731The complete starting cash picture.
Estimated remaining funds due at closing
$175,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,172.92
Your down payment$160,172.92
Closing costs + prepaids$15,558.24
Total buyer cash needed$175,731.15
Remaining funds due$175,731.15
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%)$2,324.14
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)$300.00
Prepaid interest, first (12 days)$466.10
Fees + prepaids$15,558.24
Your down payment is the seller’s equity. You take over the $464,827 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $175,731.15 is due at closing. Uses and sources reconcile at $640,558.24 each. Not a Closing Disclosure.