Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$130,311Cash toward the purchase price.
Closing costs + prepaids$18,671Not just lender fees.
Before credits & paid funds$148,981The complete starting cash picture.
Estimated remaining funds due at closing
$148,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,310.76
Your down payment$130,310.76
Closing costs + prepaids$18,670.54
Total buyer cash needed$148,981.30
Remaining funds due$148,981.30
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%)$6,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,645.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,648.75
Initial HOA (3 months)$687.00
Prepaid interest, first (18 days)$1,625.84
Fees + prepaids$18,670.54
Your down payment is the seller’s equity. You take over the $529,189 balance, so the rest of the $659,500 price is paid at closing. A second mortgage can cover part of it. $148,981.30 is due at closing. Uses and sources reconcile at $678,170.54 each. Not a Closing Disclosure.