Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$128,789Cash toward the purchase price.
Closing costs + prepaids$17,505Not just lender fees.
Before credits & paid funds$146,294The complete starting cash picture.
Estimated remaining funds due at closing
$146,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,789.15
Your down payment$128,789.15
Closing costs + prepaids$17,504.52
Total buyer cash needed$146,293.67
Remaining funds due$146,293.67
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%)$6,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,580.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$705.25
Initial HOA (3 months)$735.00
Prepaid interest, first (20 days)$1,566.71
Fees + prepaids$17,504.52
Your down payment is the seller’s equity. You take over the $516,111 balance, so the rest of the $644,900 price is paid at closing. A second mortgage can cover part of it. $146,293.67 is due at closing. Uses and sources reconcile at $662,404.52 each. Not a Closing Disclosure.