Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$133,725Cash toward the purchase price.
Closing costs + prepaids$15,880Not just lender fees.
Before credits & paid funds$149,605The complete starting cash picture.
Estimated remaining funds due at closing
$149,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,724.93
Your down payment$133,724.93
Closing costs + prepaids$15,880.00
Total buyer cash needed$149,604.93
Remaining funds due$149,604.93
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,576.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$778.75
Initial HOA (3 months)$125.01
Prepaid interest, first (10 days)$441.87
Fees + prepaids$15,880.00
Your down payment is the seller’s equity. You take over the $515,275 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $149,604.93 is due at closing. Uses and sources reconcile at $664,880.00 each. Not a Closing Disclosure.