Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$115,653Cash toward the purchase price.
Closing costs + prepaids$18,019Not just lender fees.
Before credits & paid funds$133,672The complete starting cash picture.
Estimated remaining funds due at closing
$133,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,652.80
Your down payment$115,652.80
Closing costs + prepaids$18,019.31
Total buyer cash needed$133,672.12
Remaining funds due$133,672.12
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,621.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.50
Initial HOA (3 months)$261.00
Prepaid interest, first (31 days)$2,711.58
Fees + prepaids$18,019.31
Your down payment is the seller’s equity. You take over the $524,247 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $133,672.12 is due at closing. Uses and sources reconcile at $657,919.31 each. Not a Closing Disclosure.