Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$179,390Cash toward the purchase price.
Closing costs + prepaids$15,521Not just lender fees.
Before credits & paid funds$194,911The complete starting cash picture.
Estimated remaining funds due at closing
$194,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,390.33
Your down payment$179,390.33
Closing costs + prepaids$15,520.88
Total buyer cash needed$194,911.21
Remaining funds due$194,911.21
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%)$2,228.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.25
Initial HOA (3 months)$37.50
Prepaid interest, first (21 days)$787.08
Fees + prepaids$15,520.88
Your down payment is the seller’s equity. You take over the $445,610 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $194,911.21 is due at closing. Uses and sources reconcile at $640,520.88 each. Not a Closing Disclosure.