Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$119,155Cash toward the purchase price.
Closing costs + prepaids$17,688Not just lender fees.
Before credits & paid funds$136,842The complete starting cash picture.
Estimated remaining funds due at closing
$136,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,154.81
Your down payment$119,154.81
Closing costs + prepaids$17,687.50
Total buyer cash needed$136,842.32
Remaining funds due$136,842.32
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%)$6,360.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,584.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$678.25
Initial HOA (3 months)$174.51
Prepaid interest, first (26 days)$2,422.52
Fees + prepaids$17,687.50
Your down payment is the seller’s equity. You take over the $516,845 balance, so the rest of the $636,000 price is paid at closing. A second mortgage can cover part of it. $136,842.32 is due at closing. Uses and sources reconcile at $653,687.50 each. Not a Closing Disclosure.