Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$131,779Cash toward the purchase price.
Closing costs + prepaids$18,574Not just lender fees.
Before credits & paid funds$150,353The complete starting cash picture.
Estimated remaining funds due at closing
$150,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,779.04
Your down payment$131,779.04
Closing costs + prepaids$18,573.63
Total buyer cash needed$150,352.68
Remaining funds due$150,352.68
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,590.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,624.75
Initial HOA (3 months)$354.00
Prepaid interest, first (26 days)$2,037.28
Fees + prepaids$18,573.63
Your down payment is the seller’s equity. You take over the $518,121 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $150,352.68 is due at closing. Uses and sources reconcile at $668,473.63 each. Not a Closing Disclosure.