Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$99,373Cash toward the purchase price.
Closing costs + prepaids$16,210Not just lender fees.
Before credits & paid funds$115,583The complete starting cash picture.
Estimated remaining funds due at closing
$115,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,372.83
Your down payment$99,372.83
Closing costs + prepaids$16,209.85
Total buyer cash needed$115,582.69
Remaining funds due$115,582.69
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,628.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$602.50
Prepaid interest, first (29 days)$1,261.22
Fees + prepaids$16,209.85
Your down payment is the seller’s equity. You take over the $525,627 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $115,582.69 is due at closing. Uses and sources reconcile at $641,209.85 each. Not a Closing Disclosure.