Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$119,155Cash toward the purchase price.
Closing costs + prepaids$18,153Not just lender fees.
Before credits & paid funds$137,308The complete starting cash picture.
Estimated remaining funds due at closing
$137,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,154.81
Your down payment$119,154.81
Closing costs + prepaids$18,153.37
Total buyer cash needed$137,308.18
Remaining funds due$137,308.18
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%)$6,360.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,584.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$678.25
Initial HOA (3 months)$174.51
Prepaid interest, first (31 days)$2,888.39
Fees + prepaids$18,153.37
Your down payment is the seller’s equity. You take over the $516,845 balance, so the rest of the $636,000 price is paid at closing. A second mortgage can cover part of it. $137,308.18 is due at closing. Uses and sources reconcile at $654,153.37 each. Not a Closing Disclosure.