Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$110,564Cash toward the purchase price.
Closing costs + prepaids$18,125Not just lender fees.
Before credits & paid funds$128,689The complete starting cash picture.
Estimated remaining funds due at closing
$128,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,563.66
Your down payment$110,563.66
Closing costs + prepaids$18,125.09
Total buyer cash needed$128,688.75
Remaining funds due$128,688.75
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%)$6,519.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,707.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$262.25
Initial HOA (3 months)$12.51
Prepaid interest, first (30 days)$3,155.16
Fees + prepaids$18,125.09
Your down payment is the seller’s equity. You take over the $541,435 balance, so the rest of the $651,999 price is paid at closing. A second mortgage can cover part of it. $128,688.75 is due at closing. Uses and sources reconcile at $670,124.09 each. Not a Closing Disclosure.