Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$131,813Cash toward the purchase price.
Closing costs + prepaids$16,172Not just lender fees.
Before credits & paid funds$147,984The complete starting cash picture.
Estimated remaining funds due at closing
$147,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,812.71
Your down payment$131,812.71
Closing costs + prepaids$16,171.62
Total buyer cash needed$147,984.33
Remaining funds due$147,984.33
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%)$2,590.94
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)$279.00
Prepaid interest, first (12 days)$553.68
Fees + prepaids$16,171.62
Your down payment is the seller’s equity. You take over the $518,187 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $147,984.33 is due at closing. Uses and sources reconcile at $666,171.62 each. Not a Closing Disclosure.