Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$104,947Cash toward the purchase price.
Closing costs + prepaids$17,330Not just lender fees.
Before credits & paid funds$122,278The complete starting cash picture.
Estimated remaining funds due at closing
$122,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,947.39
Your down payment$104,947.39
Closing costs + prepaids$17,330.46
Total buyer cash needed$122,277.85
Remaining funds due$122,277.85
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%)$2,725.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$498.50
Prepaid interest, first (21 days)$2,138.70
Fees + prepaids$17,330.46
Your down payment is the seller’s equity. You take over the $545,053 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $122,277.85 is due at closing. Uses and sources reconcile at $667,330.46 each. Not a Closing Disclosure.