Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$122,968Cash toward the purchase price.
Closing costs + prepaids$15,779Not just lender fees.
Before credits & paid funds$138,747The complete starting cash picture.
Estimated remaining funds due at closing
$138,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,967.56
Your down payment$122,967.56
Closing costs + prepaids$15,779.00
Total buyer cash needed$138,746.56
Remaining funds due$138,746.56
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,560.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$762.00
Initial HOA (3 months)$420.00
Prepaid interest, first (6 days)$218.84
Fees + prepaids$15,779.00
Your down payment is the seller’s equity. You take over the $512,032 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $138,746.56 is due at closing. Uses and sources reconcile at $650,779.00 each. Not a Closing Disclosure.