Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$108,453Cash toward the purchase price.
Closing costs + prepaids$18,558Not just lender fees.
Before credits & paid funds$127,011The complete starting cash picture.
Estimated remaining funds due at closing
$127,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,452.81
Your down payment$108,452.81
Closing costs + prepaids$18,558.35
Total buyer cash needed$127,011.15
Remaining funds due$127,011.15
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,652.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,597.50
Prepaid interest, first (28 days)$2,450.11
Fees + prepaids$18,558.35
Your down payment is the seller’s equity. You take over the $530,547 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $127,011.15 is due at closing. Uses and sources reconcile at $657,558.35 each. Not a Closing Disclosure.