Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$129,618Cash toward the purchase price.
Closing costs + prepaids$19,533Not just lender fees.
Before credits & paid funds$149,151The complete starting cash picture.
Estimated remaining funds due at closing
$149,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,618.05
Your down payment$129,618.05
Closing costs + prepaids$19,532.56
Total buyer cash needed$149,150.61
Remaining funds due$149,150.61
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,901.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$525.25
Initial HOA (3 months)$200.01
Prepaid interest, first (24 days)$2,587.39
Fees + prepaids$19,532.56
Your down payment is the seller’s equity. You take over the $580,382 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $149,150.61 is due at closing. Uses and sources reconcile at $729,532.56 each. Not a Closing Disclosure.