Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$81,437Cash toward the purchase price.
Closing costs + prepaids$18,190Not just lender fees.
Before credits & paid funds$99,627The complete starting cash picture.
Estimated remaining funds due at closing
$99,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,436.97
Your down payment$81,436.97
Closing costs + prepaids$18,189.64
Total buyer cash needed$99,626.61
Remaining funds due$99,626.61
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%)$6,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,717.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.25
Initial HOA (3 months)$588.00
Prepaid interest, first (28 days)$1,605.08
Fees + prepaids$18,189.64
Your down payment is the seller’s equity. You take over the $543,463 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $99,626.61 is due at closing. Uses and sources reconcile at $643,089.64 each. Not a Closing Disclosure.