Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,789Cash toward the purchase price.
Closing costs + prepaids$18,093Not just lender fees.
Before credits & paid funds$150,882The complete starting cash picture.
Estimated remaining funds due at closing
$150,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,789.15
Your down payment$132,789.15
Closing costs + prepaids$18,092.87
Total buyer cash needed$150,882.02
Remaining funds due$150,882.02
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%)$6,489.00
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 (27 days)$2,115.06
Fees + prepaids$18,092.87
Your down payment is the seller’s equity. You take over the $516,111 balance, so the rest of the $648,900 price is paid at closing. A second mortgage can cover part of it. $150,882.02 is due at closing. Uses and sources reconcile at $666,992.87 each. Not a Closing Disclosure.