Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$113,680Cash toward the purchase price.
Closing costs + prepaids$18,826Not just lender fees.
Before credits & paid funds$132,506The complete starting cash picture.
Estimated remaining funds due at closing
$132,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,680.15
Your down payment$113,680.15
Closing costs + prepaids$18,826.33
Total buyer cash needed$132,506.48
Remaining funds due$132,506.48
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%)$6,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,679.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,623.75
Prepaid interest, first (27 days)$2,560.48
Fees + prepaids$18,826.33
Your down payment is the seller’s equity. You take over the $535,820 balance, so the rest of the $649,500 price is paid at closing. A second mortgage can cover part of it. $132,506.48 is due at closing. Uses and sources reconcile at $668,326.33 each. Not a Closing Disclosure.