Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$118,211Cash toward the purchase price.
Closing costs + prepaids$16,405Not just lender fees.
Before credits & paid funds$134,616The complete starting cash picture.
Estimated remaining funds due at closing
$134,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,210.95
Your down payment$118,210.95
Closing costs + prepaids$16,405.42
Total buyer cash needed$134,616.37
Remaining funds due$134,616.37
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,583.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$983.50
Initial HOA (3 months)$126.00
Prepaid interest, first (22 days)$893.97
Fees + prepaids$16,405.42
Your down payment is the seller’s equity. You take over the $516,789 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $134,616.37 is due at closing. Uses and sources reconcile at $651,405.42 each. Not a Closing Disclosure.