Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$129,090Cash toward the purchase price.
Closing costs + prepaids$15,598Not just lender fees.
Before credits & paid funds$144,687The complete starting cash picture.
Estimated remaining funds due at closing
$144,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,089.84
Your down payment$129,089.84
Closing costs + prepaids$15,597.56
Total buyer cash needed$144,687.40
Remaining funds due$144,687.40
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%)$2,604.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$721.00
Initial HOA (3 months)$155.01
Prepaid interest, first (2 days)$148.99
Fees + prepaids$15,597.56
Your down payment is the seller’s equity. You take over the $520,910 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $144,687.40 is due at closing. Uses and sources reconcile at $665,597.56 each. Not a Closing Disclosure.