Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$117,637Cash toward the purchase price.
Closing costs + prepaids$17,108Not just lender fees.
Before credits & paid funds$134,744The complete starting cash picture.
Estimated remaining funds due at closing
$134,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,636.83
Your down payment$117,636.83
Closing costs + prepaids$17,107.56
Total buyer cash needed$134,744.39
Remaining funds due$134,744.39
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,706.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$790.75
Initial HOA (3 months)$536.01
Prepaid interest, first (10 days)$1,015.98
Fees + prepaids$17,107.56
Your down payment is the seller’s equity. You take over the $541,363 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $134,744.39 is due at closing. Uses and sources reconcile at $676,107.56 each. Not a Closing Disclosure.