Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$83,507Cash toward the purchase price.
Closing costs + prepaids$20,652Not just lender fees.
Before credits & paid funds$104,159The complete starting cash picture.
Estimated remaining funds due at closing
$104,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,506.76
Your down payment$83,506.76
Closing costs + prepaids$20,651.75
Total buyer cash needed$104,158.51
Remaining funds due$104,158.51
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%)$6,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,682.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,550.00
Initial HOA (3 months)$2,100.00
Prepaid interest, first (29 days)$2,651.30
Fees + prepaids$20,651.75
Your down payment is the seller’s equity. You take over the $536,492 balance, so the rest of the $619,999 price is paid at closing. A second mortgage can cover part of it. $104,158.51 is due at closing. Uses and sources reconcile at $640,650.75 each. Not a Closing Disclosure.