Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$124,615Cash toward the purchase price.
Closing costs + prepaids$20,063Not just lender fees.
Before credits & paid funds$144,678The complete starting cash picture.
Estimated remaining funds due at closing
$144,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,614.80
Your down payment$124,614.80
Closing costs + prepaids$20,063.19
Total buyer cash needed$144,677.99
Remaining funds due$144,677.99
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,721.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,672.50
Initial HOA (3 months)$708.00
Prepaid interest, first (29 days)$2,802.76
Fees + prepaids$20,063.19
Your down payment is the seller’s equity. You take over the $544,385 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $144,677.99 is due at closing. Uses and sources reconcile at $689,063.19 each. Not a Closing Disclosure.