Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$153,233Cash toward the purchase price.
Closing costs + prepaids$16,593Not just lender fees.
Before credits & paid funds$169,827The complete starting cash picture.
Estimated remaining funds due at closing
$169,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,233.48
Your down payment$153,233.48
Closing costs + prepaids$16,593.16
Total buyer cash needed$169,826.64
Remaining funds due$169,826.64
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%)$6,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,318.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,552.50
Initial HOA (3 months)$399.99
Prepaid interest, first (18 days)$683.83
Fees + prepaids$16,593.16
Your down payment is the seller’s equity. You take over the $463,767 balance, so the rest of the $617,000 price is paid at closing. A second mortgage can cover part of it. $169,826.64 is due at closing. Uses and sources reconcile at $633,593.16 each. Not a Closing Disclosure.