Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$179,316Cash toward the purchase price.
Closing costs + prepaids$14,725Not just lender fees.
Before credits & paid funds$194,042The complete starting cash picture.
Estimated remaining funds due at closing
$194,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,316.41
Your down payment$179,316.41
Closing costs + prepaids$14,725.15
Total buyer cash needed$194,041.56
Remaining funds due$194,041.56
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%)$2,228.42
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 (1 days)$27.47
Fees + prepaids$14,725.15
Your down payment is the seller’s equity. You take over the $445,684 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $194,041.56 is due at closing. Uses and sources reconcile at $639,725.15 each. Not a Closing Disclosure.