Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$119,525Cash toward the purchase price.
Closing costs + prepaids$16,573Not just lender fees.
Before credits & paid funds$136,098The complete starting cash picture.
Estimated remaining funds due at closing
$136,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,524.85
Your down payment$119,524.85
Closing costs + prepaids$16,573.36
Total buyer cash needed$136,098.20
Remaining funds due$136,098.20
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,647.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$33.50
Initial HOA (3 months)$193.74
Prepaid interest, first (24 days)$1,740.74
Fees + prepaids$16,573.36
Your down payment is the seller’s equity. You take over the $529,475 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $136,098.20 is due at closing. Uses and sources reconcile at $665,573.36 each. Not a Closing Disclosure.