Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$104,947Cash toward the purchase price.
Closing costs + prepaids$18,349Not just lender fees.
Before credits & paid funds$123,296The complete starting cash picture.
Estimated remaining funds due at closing
$123,296No 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$18,348.89
Total buyer cash needed$123,296.28
Remaining funds due$123,296.28
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)$498.50
Prepaid interest, first (31 days)$3,157.12
Fees + prepaids$18,348.89
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. $123,296.28 is due at closing. Uses and sources reconcile at $668,348.89 each. Not a Closing Disclosure.