Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$134,072Cash toward the purchase price.
Closing costs + prepaids$18,941Not just lender fees.
Before credits & paid funds$153,013The complete starting cash picture.
Estimated remaining funds due at closing
$153,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,072.38
Your down payment$134,072.38
Closing costs + prepaids$18,940.86
Total buyer cash needed$153,013.23
Remaining funds due$153,013.23
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,579.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,355.25
Initial HOA (3 months)$315.00
Prepaid interest, first (28 days)$2,722.97
Fees + prepaids$18,940.86
Your down payment is the seller’s equity. You take over the $515,928 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $153,013.23 is due at closing. Uses and sources reconcile at $668,940.86 each. Not a Closing Disclosure.