Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$116,778Cash toward the purchase price.
Closing costs + prepaids$16,903Not just lender fees.
Before credits & paid funds$133,682The complete starting cash picture.
Estimated remaining funds due at closing
$133,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,778.47
Your down payment$116,778.47
Closing costs + prepaids$16,903.08
Total buyer cash needed$133,681.55
Remaining funds due$133,681.55
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%)$6,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,540.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.25
Initial HOA (3 months)$339.00
Prepaid interest, first (18 days)$744.22
Fees + prepaids$16,903.08
Your down payment is the seller’s equity. You take over the $508,122 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $133,681.55 is due at closing. Uses and sources reconcile at $641,803.08 each. Not a Closing Disclosure.