Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$131,813Cash toward the purchase price.
Closing costs + prepaids$18,092Not just lender fees.
Before credits & paid funds$149,905The complete starting cash picture.
Estimated remaining funds due at closing
$149,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,812.71
Your down payment$131,812.71
Closing costs + prepaids$18,091.94
Total buyer cash needed$149,904.65
Remaining funds due$149,904.65
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,590.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,100.50
Initial HOA (3 months)$279.00
Prepaid interest, first (25 days)$1,153.50
Fees + prepaids$18,091.94
Your down payment is the seller’s equity. You take over the $518,187 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $149,904.65 is due at closing. Uses and sources reconcile at $668,091.94 each. Not a Closing Disclosure.