Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$108,113Cash toward the purchase price.
Closing costs + prepaids$17,996Not just lender fees.
Before credits & paid funds$126,109The complete starting cash picture.
Estimated remaining funds due at closing
$126,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,112.60
Your down payment$108,112.60
Closing costs + prepaids$17,995.97
Total buyer cash needed$126,108.57
Remaining funds due$126,108.57
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%)$6,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,559.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,466.50
Prepaid interest, first (24 days)$2,302.19
Fees + prepaids$17,995.97
Your down payment is the seller’s equity. You take over the $511,877 balance, so the rest of the $619,990 price is paid at closing. A second mortgage can cover part of it. $126,108.57 is due at closing. Uses and sources reconcile at $637,985.97 each. Not a Closing Disclosure.