Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$108,142Cash toward the purchase price.
Closing costs + prepaids$18,185Not just lender fees.
Before credits & paid funds$126,327The complete starting cash picture.
Estimated remaining funds due at closing
$126,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,142.09
Your down payment$108,142.09
Closing costs + prepaids$18,185.29
Total buyer cash needed$126,327.38
Remaining funds due$126,327.38
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%)$6,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,734.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$859.50
Initial HOA (3 months)$24.99
Prepaid interest, first (27 days)$2,548.51
Fees + prepaids$18,185.29
Your down payment is the seller’s equity. You take over the $546,858 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $126,327.38 is due at closing. Uses and sources reconcile at $673,185.29 each. Not a Closing Disclosure.