Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$115,440Cash toward the purchase price.
Closing costs + prepaids$19,109Not just lender fees.
Before credits & paid funds$134,549The complete starting cash picture.
Estimated remaining funds due at closing
$134,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,440.31
Your down payment$115,440.31
Closing costs + prepaids$19,108.68
Total buyer cash needed$134,548.98
Remaining funds due$134,548.98
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,672.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,735.25
Initial HOA (3 months)$90.00
Prepaid interest, first (26 days)$2,642.63
Fees + prepaids$19,108.68
Your down payment is the seller’s equity. You take over the $534,560 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $134,548.98 is due at closing. Uses and sources reconcile at $669,108.68 each. Not a Closing Disclosure.