Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$101,217Cash toward the purchase price.
Closing costs + prepaids$17,513Not just lender fees.
Before credits & paid funds$118,730The complete starting cash picture.
Estimated remaining funds due at closing
$118,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,216.75
Your down payment$101,216.75
Closing costs + prepaids$17,513.00
Total buyer cash needed$118,729.75
Remaining funds due$118,729.75
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%)$2,618.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.50
Initial HOA (3 months)$372.00
Prepaid interest, first (28 days)$1,241.58
Fees + prepaids$17,513.00
Your down payment is the seller’s equity. You take over the $523,783 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $118,729.75 is due at closing. Uses and sources reconcile at $642,513.00 each. Not a Closing Disclosure.