Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$131,811Cash toward the purchase price.
Closing costs + prepaids$16,652Not just lender fees.
Before credits & paid funds$148,464The complete starting cash picture.
Estimated remaining funds due at closing
$148,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,811.39
Your down payment$131,811.39
Closing costs + prepaids$16,652.13
Total buyer cash needed$148,463.52
Remaining funds due$148,463.52
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%)$6,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,740.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$816.00
Initial HOA (3 months)$330.00
Prepaid interest, first (9 days)$498.69
Fees + prepaids$16,652.13
Your down payment is the seller’s equity. You take over the $548,089 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $148,463.52 is due at closing. Uses and sources reconcile at $696,552.13 each. Not a Closing Disclosure.