Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$180,464Cash toward the purchase price.
Closing costs + prepaids$15,240Not just lender fees.
Before credits & paid funds$195,704The complete starting cash picture.
Estimated remaining funds due at closing
$195,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,464.23
Your down payment$180,464.23
Closing costs + prepaids$15,240.00
Total buyer cash needed$195,704.23
Remaining funds due$195,704.23
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%)$2,222.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$476.25
Initial HOA (3 months)$275.01
Prepaid interest, first (20 days)$548.06
Fees + prepaids$15,240.00
Your down payment is the seller’s equity. You take over the $444,536 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $195,704.23 is due at closing. Uses and sources reconcile at $640,240.00 each. Not a Closing Disclosure.