Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$79,348Cash toward the purchase price.
Closing costs + prepaids$19,825Not just lender fees.
Before credits & paid funds$99,173The complete starting cash picture.
Estimated remaining funds due at closing
$99,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,347.97
Your down payment$79,347.97
Closing costs + prepaids$19,825.11
Total buyer cash needed$99,173.09
Remaining funds due$99,173.09
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%)$6,538.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,872.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,952.75
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$2,694.10
Fees + prepaids$19,825.11
Your down payment is the seller’s equity. You take over the $574,452 balance, so the rest of the $653,800 price is paid at closing. A second mortgage can cover part of it. $99,173.09 is due at closing. Uses and sources reconcile at $673,625.11 each. Not a Closing Disclosure.