Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$130,252Cash toward the purchase price.
Closing costs + prepaids$16,454Not just lender fees.
Before credits & paid funds$146,707The complete starting cash picture.
Estimated remaining funds due at closing
$146,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,252.11
Your down payment$130,252.11
Closing costs + prepaids$16,454.46
Total buyer cash needed$146,706.57
Remaining funds due$146,706.57
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%)$6,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,596.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$779.50
Initial HOA (3 months)$336.00
Prepaid interest, first (9 days)$779.73
Fees + prepaids$16,454.46
Your down payment is the seller’s equity. You take over the $519,248 balance, so the rest of the $649,500 price is paid at closing. A second mortgage can cover part of it. $146,706.57 is due at closing. Uses and sources reconcile at $665,954.46 each. Not a Closing Disclosure.