Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$89,112Cash toward the purchase price.
Closing costs + prepaids$18,811Not just lender fees.
Before credits & paid funds$107,923The complete starting cash picture.
Estimated remaining funds due at closing
$107,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,111.57
Your down payment$89,111.57
Closing costs + prepaids$18,811.35
Total buyer cash needed$107,922.92
Remaining funds due$107,922.92
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,753.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,265.00
Initial HOA (3 months)$345.00
Prepaid interest, first (25 days)$2,580.41
Fees + prepaids$18,811.35
Your down payment is the seller’s equity. You take over the $550,788 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $107,922.92 is due at closing. Uses and sources reconcile at $658,711.35 each. Not a Closing Disclosure.