Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$89,851Cash toward the purchase price.
Closing costs + prepaids$20,678Not just lender fees.
Before credits & paid funds$110,530The complete starting cash picture.
Estimated remaining funds due at closing
$110,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,851.43
Your down payment$89,851.43
Closing costs + prepaids$20,678.13
Total buyer cash needed$110,529.56
Remaining funds due$110,529.56
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%)$7,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,170.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$967.50
Initial HOA (3 months)$276.00
Prepaid interest, first (25 days)$2,805.89
Fees + prepaids$20,678.13
Your down payment is the seller’s equity. You take over the $634,149 balance, so the rest of the $724,000 price is paid at closing. A second mortgage can cover part of it. $110,529.56 is due at closing. Uses and sources reconcile at $744,678.13 each. Not a Closing Disclosure.