Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$96,191Cash toward the purchase price.
Closing costs + prepaids$18,390Not just lender fees.
Before credits & paid funds$114,581The complete starting cash picture.
Estimated remaining funds due at closing
$114,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,190.56
Your down payment$96,190.56
Closing costs + prepaids$18,390.00
Total buyer cash needed$114,580.56
Remaining funds due$114,580.56
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,669.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,575.00
Initial HOA (3 months)$144.00
Prepaid interest, first (25 days)$2,233.96
Fees + prepaids$18,390.00
Your down payment is the seller’s equity. You take over the $533,809 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $114,580.56 is due at closing. Uses and sources reconcile at $648,390.00 each. Not a Closing Disclosure.