Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$109,548Cash toward the purchase price.
Closing costs + prepaids$18,505Not just lender fees.
Before credits & paid funds$128,053The complete starting cash picture.
Estimated remaining funds due at closing
$128,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,548.16
Your down payment$109,548.16
Closing costs + prepaids$18,504.76
Total buyer cash needed$128,052.92
Remaining funds due$128,052.92
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%)$6,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,801.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$675.25
Initial HOA (3 months)$125.01
Prepaid interest, first (27 days)$2,735.75
Fees + prepaids$18,504.76
Your down payment is the seller’s equity. You take over the $560,352 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $128,052.92 is due at closing. Uses and sources reconcile at $688,404.76 each. Not a Closing Disclosure.