Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$90,004Cash toward the purchase price.
Closing costs + prepaids$19,717Not just lender fees.
Before credits & paid funds$109,721The complete starting cash picture.
Estimated remaining funds due at closing
$109,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,004.39
Your down payment$90,004.39
Closing costs + prepaids$19,716.74
Total buyer cash needed$109,721.13
Remaining funds due$109,721.13
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%)$7,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,224.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$221.00
Initial HOA (3 months)$62.49
Prepaid interest, first (24 days)$2,641.78
Fees + prepaids$19,716.74
Your down payment is the seller’s equity. You take over the $644,896 balance, so the rest of the $734,900 price is paid at closing. A second mortgage can cover part of it. $109,721.13 is due at closing. Uses and sources reconcile at $754,616.74 each. Not a Closing Disclosure.