Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$180,262Cash toward the purchase price.
Closing costs + prepaids$15,337Not just lender fees.
Before credits & paid funds$195,600The complete starting cash picture.
Estimated remaining funds due at closing
$195,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,262.45
Your down payment$180,262.45
Closing costs + prepaids$15,337.23
Total buyer cash needed$195,599.68
Remaining funds due$195,599.68
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%)$2,173.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$738.00
Prepaid interest, first (10 days)$807.54
Fees + prepaids$15,337.23
Your down payment is the seller’s equity. You take over the $434,738 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $195,599.68 is due at closing. Uses and sources reconcile at $630,337.23 each. Not a Closing Disclosure.