Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$118,049Cash toward the purchase price.
Closing costs + prepaids$16,562Not just lender fees.
Before credits & paid funds$134,611The complete starting cash picture.
Estimated remaining funds due at closing
$134,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,048.97
Your down payment$118,048.97
Closing costs + prepaids$16,562.15
Total buyer cash needed$134,611.13
Remaining funds due$134,611.13
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%)$2,659.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$773.00
Initial HOA (3 months)$354.00
Prepaid interest, first (20 days)$807.40
Fees + prepaids$16,562.15
Your down payment is the seller’s equity. You take over the $531,951 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $134,611.13 is due at closing. Uses and sources reconcile at $666,562.15 each. Not a Closing Disclosure.