Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$75,706Cash toward the purchase price.
Closing costs + prepaids$17,886Not just lender fees.
Before credits & paid funds$93,592The complete starting cash picture.
Estimated remaining funds due at closing
$93,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,705.62
Your down payment$75,705.62
Closing costs + prepaids$17,886.44
Total buyer cash needed$93,592.06
Remaining funds due$93,592.06
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,870.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$644.50
Initial HOA (3 months)$186.00
Prepaid interest, first (23 days)$2,217.96
Fees + prepaids$17,886.44
Your down payment is the seller’s equity. You take over the $574,194 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $93,592.06 is due at closing. Uses and sources reconcile at $667,786.44 each. Not a Closing Disclosure.