Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$118,438Cash toward the purchase price.
Closing costs + prepaids$18,977Not just lender fees.
Before credits & paid funds$137,415The complete starting cash picture.
Estimated remaining funds due at closing
$137,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,438.16
Your down payment$118,438.16
Closing costs + prepaids$18,976.93
Total buyer cash needed$137,415.09
Remaining funds due$137,415.09
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%)$6,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,627.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,610.00
Prepaid interest, first (29 days)$2,831.12
Fees + prepaids$18,976.93
Your down payment is the seller’s equity. You take over the $525,562 balance, so the rest of the $644,000 price is paid at closing. A second mortgage can cover part of it. $137,415.09 is due at closing. Uses and sources reconcile at $662,976.93 each. Not a Closing Disclosure.