Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$155,984Cash toward the purchase price.
Closing costs + prepaids$16,260Not just lender fees.
Before credits & paid funds$172,244The complete starting cash picture.
Estimated remaining funds due at closing
$172,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,983.86
Your down payment$155,983.86
Closing costs + prepaids$16,259.95
Total buyer cash needed$172,243.81
Remaining funds due$172,243.81
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%)$2,345.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$606.25
Initial HOA (3 months)$6.24
Prepaid interest, first (18 days)$1,584.38
Fees + prepaids$16,259.95
Your down payment is the seller’s equity. You take over the $469,016 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $172,243.81 is due at closing. Uses and sources reconcile at $641,259.95 each. Not a Closing Disclosure.