Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$122,968Cash toward the purchase price.
Closing costs + prepaids$16,779Not just lender fees.
Before credits & paid funds$139,746The complete starting cash picture.
Estimated remaining funds due at closing
$139,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,967.56
Your down payment$122,967.56
Closing costs + prepaids$16,778.92
Total buyer cash needed$139,746.48
Remaining funds due$139,746.48
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%)$2,560.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$959.50
Initial HOA (3 months)$420.00
Prepaid interest, first (28 days)$1,021.26
Fees + prepaids$16,778.92
Your down payment is the seller’s equity. You take over the $512,032 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $139,746.48 is due at closing. Uses and sources reconcile at $651,778.92 each. Not a Closing Disclosure.