Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$94,404Cash toward the purchase price.
Closing costs + prepaids$22,509Not just lender fees.
Before credits & paid funds$116,913The complete starting cash picture.
Estimated remaining funds due at closing
$116,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,404.25
Your down payment$94,404.25
Closing costs + prepaids$22,509.24
Total buyer cash needed$116,913.49
Remaining funds due$116,913.49
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%)$7,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,172.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,822.50
Initial HOA (3 months)$822.00
Prepaid interest, first (28 days)$3,183.76
Fees + prepaids$22,509.24
Your down payment is the seller’s equity. You take over the $634,596 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $116,913.49 is due at closing. Uses and sources reconcile at $751,509.24 each. Not a Closing Disclosure.