Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$128,739Cash toward the purchase price.
Closing costs + prepaids$16,789Not just lender fees.
Before credits & paid funds$145,528The complete starting cash picture.
Estimated remaining funds due at closing
$145,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,739.15
Your down payment$128,739.15
Closing costs + prepaids$16,789.16
Total buyer cash needed$145,528.31
Remaining funds due$145,528.31
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%)$6,448.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,580.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$773.75
Initial HOA (3 months)$735.00
Prepaid interest, first (10 days)$783.36
Fees + prepaids$16,789.16
Your down payment is the seller’s equity. You take over the $516,111 balance, so the rest of the $644,850 price is paid at closing. A second mortgage can cover part of it. $145,528.31 is due at closing. Uses and sources reconcile at $661,639.16 each. Not a Closing Disclosure.