Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$80,197Cash toward the purchase price.
Closing costs + prepaids$16,984Not just lender fees.
Before credits & paid funds$97,181The complete starting cash picture.
Estimated remaining funds due at closing
$97,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,197.44
Your down payment$80,197.44
Closing costs + prepaids$16,983.90
Total buyer cash needed$97,181.35
Remaining funds due$97,181.35
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%)$6,498.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,848.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$804.00
Initial HOA (3 months)$75.00
Prepaid interest, first (22 days)$1,290.89
Fees + prepaids$16,983.90
Your down payment is the seller’s equity. You take over the $569,603 balance, so the rest of the $649,800 price is paid at closing. A second mortgage can cover part of it. $97,181.35 is due at closing. Uses and sources reconcile at $666,783.90 each. Not a Closing Disclosure.