Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$145,580Cash toward the purchase price.
Closing costs + prepaids$15,414Not just lender fees.
Before credits & paid funds$160,994The complete starting cash picture.
Estimated remaining funds due at closing
$160,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,580.32
Your down payment$145,580.32
Closing costs + prepaids$15,413.79
Total buyer cash needed$160,994.11
Remaining funds due$160,994.11
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%)$2,347.10
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 (18 days)$710.69
Fees + prepaids$15,413.79
Your down payment is the seller’s equity. You take over the $469,420 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $160,994.11 is due at closing. Uses and sources reconcile at $630,413.79 each. Not a Closing Disclosure.