Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$111,896Cash toward the purchase price.
Closing costs + prepaids$19,622Not just lender fees.
Before credits & paid funds$131,518The complete starting cash picture.
Estimated remaining funds due at closing
$131,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,895.81
Your down payment$111,895.81
Closing costs + prepaids$19,621.73
Total buyer cash needed$131,517.54
Remaining funds due$131,517.54
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%)$6,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,740.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,649.75
Initial HOA (3 months)$435.00
Prepaid interest, first (29 days)$2,729.96
Fees + prepaids$19,621.73
Your down payment is the seller’s equity. You take over the $548,004 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $131,517.54 is due at closing. Uses and sources reconcile at $679,521.73 each. Not a Closing Disclosure.