Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$131,869Cash toward the purchase price.
Closing costs + prepaids$18,426Not just lender fees.
Before credits & paid funds$150,294The complete starting cash picture.
Estimated remaining funds due at closing
$150,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,868.69
Your down payment$131,868.69
Closing costs + prepaids$18,425.75
Total buyer cash needed$150,294.44
Remaining funds due$150,294.44
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,585.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,622.50
Initial HOA (3 months)$990.00
Prepaid interest, first (29 days)$1,269.59
Fees + prepaids$18,425.75
Your down payment is the seller’s equity. You take over the $517,131 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $150,294.44 is due at closing. Uses and sources reconcile at $667,425.75 each. Not a Closing Disclosure.