Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$100,791Cash toward the purchase price.
Closing costs + prepaids$15,976Not just lender fees.
Before credits & paid funds$116,766The complete starting cash picture.
Estimated remaining funds due at closing
$116,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,790.87
Your down payment$100,790.87
Closing costs + prepaids$15,975.60
Total buyer cash needed$116,766.47
Remaining funds due$116,766.47
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,621.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$602.50
Prepaid interest, first (25 days)$1,034.06
Fees + prepaids$15,975.60
Your down payment is the seller’s equity. You take over the $524,209 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $116,766.47 is due at closing. Uses and sources reconcile at $640,975.60 each. Not a Closing Disclosure.