Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$99,002Cash toward the purchase price.
Closing costs + prepaids$19,333Not just lender fees.
Before credits & paid funds$118,336The complete starting cash picture.
Estimated remaining funds due at closing
$118,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,002.37
Your down payment$99,002.37
Closing costs + prepaids$19,333.45
Total buyer cash needed$118,335.82
Remaining funds due$118,335.82
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%)$2,629.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.25
Initial HOA (3 months)$735.00
Prepaid interest, first (26 days)$2,689.71
Fees + prepaids$19,333.45
Your down payment is the seller’s equity. You take over the $525,898 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $118,335.82 is due at closing. Uses and sources reconcile at $644,233.45 each. Not a Closing Disclosure.