Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$125,974Cash toward the purchase price.
Closing costs + prepaids$18,995Not just lender fees.
Before credits & paid funds$144,969The complete starting cash picture.
Estimated remaining funds due at closing
$144,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,973.92
Your down payment$125,973.92
Closing costs + prepaids$18,994.85
Total buyer cash needed$144,968.76
Remaining funds due$144,968.76
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,615.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,622.50
Initial HOA (3 months)$1,746.00
Prepaid interest, first (25 days)$1,053.22
Fees + prepaids$18,994.85
Your down payment is the seller’s equity. You take over the $523,026 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $144,968.76 is due at closing. Uses and sources reconcile at $667,994.85 each. Not a Closing Disclosure.