Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$104,947Cash toward the purchase price.
Closing costs + prepaids$16,492Not just lender fees.
Before credits & paid funds$121,439The complete starting cash picture.
Estimated remaining funds due at closing
$121,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,947.39
Your down payment$104,947.39
Closing costs + prepaids$16,491.69
Total buyer cash needed$121,439.08
Remaining funds due$121,439.08
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,725.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$780.00
Prepaid interest, first (10 days)$1,018.43
Fees + prepaids$16,491.69
Your down payment is the seller’s equity. You take over the $545,053 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $121,439.08 is due at closing. Uses and sources reconcile at $666,491.69 each. Not a Closing Disclosure.