Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$83,237Cash toward the purchase price.
Closing costs + prepaids$20,509Not just lender fees.
Before credits & paid funds$103,745The complete starting cash picture.
Estimated remaining funds due at closing
$103,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,236.57
Your down payment$83,236.57
Closing costs + prepaids$20,508.79
Total buyer cash needed$103,745.36
Remaining funds due$103,745.36
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,008.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,307.25
Initial HOA (3 months)$300.00
Prepaid interest, first (23 days)$2,574.72
Fees + prepaids$20,508.79
Your down payment is the seller’s equity. You take over the $601,763 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $103,745.36 is due at closing. Uses and sources reconcile at $705,508.79 each. Not a Closing Disclosure.