Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$75,494Cash toward the purchase price.
Closing costs + prepaids$18,480Not just lender fees.
Before credits & paid funds$93,974The complete starting cash picture.
Estimated remaining funds due at closing
$93,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,493.57
Your down payment$75,493.57
Closing costs + prepaids$18,479.95
Total buyer cash needed$93,973.53
Remaining funds due$93,973.53
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%)$6,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,747.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,381.00
Initial HOA (3 months)$182.01
Prepaid interest, first (24 days)$2,452.91
Fees + prepaids$18,479.95
Your down payment is the seller’s equity. You take over the $549,406 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $93,973.53 is due at closing. Uses and sources reconcile at $643,379.95 each. Not a Closing Disclosure.