Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$144,551Cash toward the purchase price.
Closing costs + prepaids$14,647Not just lender fees.
Before credits & paid funds$159,198The complete starting cash picture.
Estimated remaining funds due at closing
$159,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,550.60
Your down payment$144,550.60
Closing costs + prepaids$14,647.14
Total buyer cash needed$159,197.73
Remaining funds due$159,197.73
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%)$2,352.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$597.75
Prepaid interest, first (2 days)$79.14
Fees + prepaids$14,647.14
Your down payment is the seller’s equity. You take over the $470,449 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $159,197.73 is due at closing. Uses and sources reconcile at $629,647.14 each. Not a Closing Disclosure.