Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$118,658Cash toward the purchase price.
Closing costs + prepaids$15,361Not just lender fees.
Before credits & paid funds$134,018The complete starting cash picture.
Estimated remaining funds due at closing
$134,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,657.65
Your down payment$118,657.65
Closing costs + prepaids$15,360.74
Total buyer cash needed$134,018.38
Remaining funds due$134,018.38
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%)$6,360.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,586.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$678.25
Initial HOA (3 months)$174.51
Prepaid interest, first (1 days)$93.26
Fees + prepaids$15,360.74
Your down payment is the seller’s equity. You take over the $517,342 balance, so the rest of the $636,000 price is paid at closing. A second mortgage can cover part of it. $134,018.38 is due at closing. Uses and sources reconcile at $651,360.74 each. Not a Closing Disclosure.