Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$126,090Cash toward the purchase price.
Closing costs + prepaids$17,161Not just lender fees.
Before credits & paid funds$143,251The complete starting cash picture.
Estimated remaining funds due at closing
$143,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,089.87
Your down payment$126,089.87
Closing costs + prepaids$17,160.98
Total buyer cash needed$143,250.85
Remaining funds due$143,250.85
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%)$6,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,644.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,239.25
Initial HOA (3 months)$186.00
Prepaid interest, first (23 days)$1,073.18
Fees + prepaids$17,160.98
Your down payment is the seller’s equity. You take over the $528,910 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $143,250.85 is due at closing. Uses and sources reconcile at $672,160.98 each. Not a Closing Disclosure.