Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$106,785Cash toward the purchase price.
Closing costs + prepaids$19,133Not just lender fees.
Before credits & paid funds$125,918The complete starting cash picture.
Estimated remaining funds due at closing
$125,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,785.04
Your down payment$106,785.04
Closing costs + prepaids$19,133.26
Total buyer cash needed$125,918.30
Remaining funds due$125,918.30
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%)$2,713.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,623.75
Initial HOA (3 months)$285.00
Prepaid interest, first (28 days)$2,547.94
Fees + prepaids$19,133.26
Your down payment is the seller’s equity. You take over the $542,715 balance, so the rest of the $649,500 price is paid at closing. A second mortgage can cover part of it. $125,918.30 is due at closing. Uses and sources reconcile at $668,633.26 each. Not a Closing Disclosure.