Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$81,551Cash toward the purchase price.
Closing costs + prepaids$20,810Not just lender fees.
Before credits & paid funds$102,361The complete starting cash picture.
Estimated remaining funds due at closing
$102,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,550.90
Your down payment$81,550.90
Closing costs + prepaids$20,810.05
Total buyer cash needed$102,360.95
Remaining funds due$102,360.95
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,142.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,086.00
Initial HOA (3 months)$67.50
Prepaid interest, first (28 days)$3,196.31
Fees + prepaids$20,810.05
Your down payment is the seller’s equity. You take over the $628,449 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $102,360.95 is due at closing. Uses and sources reconcile at $730,810.05 each. Not a Closing Disclosure.