Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$140,895Cash toward the purchase price.
Closing costs + prepaids$17,091Not just lender fees.
Before credits & paid funds$157,986The complete starting cash picture.
Estimated remaining funds due at closing
$157,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,894.71
Your down payment$140,894.71
Closing costs + prepaids$17,091.08
Total buyer cash needed$157,985.79
Remaining funds due$157,985.79
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%)$2,545.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$405.00
Prepaid interest, first (24 days)$2,172.55
Fees + prepaids$17,091.08
Your down payment is the seller’s equity. You take over the $509,105 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $157,985.79 is due at closing. Uses and sources reconcile at $667,091.08 each. Not a Closing Disclosure.