Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$96,974Cash toward the purchase price.
Closing costs + prepaids$19,031Not just lender fees.
Before credits & paid funds$116,006The complete starting cash picture.
Estimated remaining funds due at closing
$116,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,974.49
Your down payment$96,974.49
Closing costs + prepaids$19,031.02
Total buyer cash needed$116,005.51
Remaining funds due$116,005.51
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%)$7,360.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,195.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$312.00
Initial HOA (3 months)$5.01
Prepaid interest, first (23 days)$1,940.89
Fees + prepaids$19,031.02
Your down payment is the seller’s equity. You take over the $639,026 balance, so the rest of the $736,000 price is paid at closing. A second mortgage can cover part of it. $116,005.51 is due at closing. Uses and sources reconcile at $755,031.02 each. Not a Closing Disclosure.