Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$102,950Cash toward the purchase price.
Closing costs + prepaids$21,634Not just lender fees.
Before credits & paid funds$124,584The complete starting cash picture.
Estimated remaining funds due at closing
$124,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,950.13
Your down payment$102,950.13
Closing costs + prepaids$21,634.33
Total buyer cash needed$124,584.46
Remaining funds due$124,584.46
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%)$7,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,080.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,389.50
Initial HOA (3 months)$342.00
Prepaid interest, first (23 days)$2,414.58
Fees + prepaids$21,634.33
Your down payment is the seller’s equity. You take over the $616,050 balance, so the rest of the $719,000 price is paid at closing. A second mortgage can cover part of it. $124,584.46 is due at closing. Uses and sources reconcile at $740,634.33 each. Not a Closing Disclosure.