Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$117,605Cash toward the purchase price.
Closing costs + prepaids$17,544Not just lender fees.
Before credits & paid funds$135,149The complete starting cash picture.
Estimated remaining funds due at closing
$135,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,605.25
Your down payment$117,605.25
Closing costs + prepaids$17,544.04
Total buyer cash needed$135,149.29
Remaining funds due$135,149.29
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%)$6,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,521.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,243.50
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$1,865.57
Fees + prepaids$17,544.04
Your down payment is the seller’s equity. You take over the $504,395 balance, so the rest of the $622,000 price is paid at closing. A second mortgage can cover part of it. $135,149.29 is due at closing. Uses and sources reconcile at $639,544.04 each. Not a Closing Disclosure.