Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$95,341Cash toward the purchase price.
Closing costs + prepaids$18,294Not just lender fees.
Before credits & paid funds$113,635The complete starting cash picture.
Estimated remaining funds due at closing
$113,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,341.48
Your down payment$95,341.48
Closing costs + prepaids$18,293.69
Total buyer cash needed$113,635.17
Remaining funds due$113,635.17
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%)$2,698.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$501.50
Initial HOA (3 months)$585.00
Prepaid interest, first (28 days)$2,690.90
Fees + prepaids$18,293.69
Your down payment is the seller’s equity. You take over the $539,659 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $113,635.17 is due at closing. Uses and sources reconcile at $653,293.69 each. Not a Closing Disclosure.