Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$126,090Cash toward the purchase price.
Closing costs + prepaids$16,928Not just lender fees.
Before credits & paid funds$143,018The complete starting cash picture.
Estimated remaining funds due at closing
$143,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,089.87
Your down payment$126,089.87
Closing costs + prepaids$16,928.32
Total buyer cash needed$143,018.19
Remaining funds due$143,018.19
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%)$6,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,644.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,239.25
Prepaid interest, first (22 days)$1,026.52
Fees + prepaids$16,928.32
Your down payment is the seller’s equity. You take over the $528,910 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $143,018.19 is due at closing. Uses and sources reconcile at $671,928.32 each. Not a Closing Disclosure.