Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$136,842Cash toward the purchase price.
Closing costs + prepaids$16,900Not just lender fees.
Before credits & paid funds$153,742The complete starting cash picture.
Estimated remaining funds due at closing
$153,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,842.18
Your down payment$136,842.18
Closing costs + prepaids$16,900.10
Total buyer cash needed$153,742.28
Remaining funds due$153,742.28
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%)$6,334.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,483.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$720.75
Initial HOA (3 months)$135.00
Prepaid interest, first (31 days)$1,758.81
Fees + prepaids$16,900.10
Your down payment is the seller’s equity. You take over the $496,608 balance, so the rest of the $633,450 price is paid at closing. A second mortgage can cover part of it. $153,742.28 is due at closing. Uses and sources reconcile at $650,350.10 each. Not a Closing Disclosure.