Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$105,929Cash toward the purchase price.
Closing costs + prepaids$17,051Not just lender fees.
Before credits & paid funds$122,981The complete starting cash picture.
Estimated remaining funds due at closing
$122,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,929.43
Your down payment$105,929.43
Closing costs + prepaids$17,051.38
Total buyer cash needed$122,980.81
Remaining funds due$122,980.81
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%)$2,720.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$780.00
Initial HOA (3 months)$381.00
Prepaid interest, first (12 days)$1,202.02
Fees + prepaids$17,051.38
Your down payment is the seller’s equity. You take over the $544,071 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $122,980.81 is due at closing. Uses and sources reconcile at $667,051.38 each. Not a Closing Disclosure.