Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$108,205Cash toward the purchase price.
Closing costs + prepaids$18,289Not just lender fees.
Before credits & paid funds$126,493The complete starting cash picture.
Estimated remaining funds due at closing
$126,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,204.72
Your down payment$108,204.72
Closing costs + prepaids$18,288.68
Total buyer cash needed$126,493.40
Remaining funds due$126,493.40
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,633.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,492.75
Initial HOA (3 months)$315.00
Prepaid interest, first (22 days)$2,028.96
Fees + prepaids$18,288.68
Your down payment is the seller’s equity. You take over the $526,795 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $126,493.40 is due at closing. Uses and sources reconcile at $653,288.68 each. Not a Closing Disclosure.