Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$83,631Cash toward the purchase price.
Closing costs + prepaids$19,309Not just lender fees.
Before credits & paid funds$102,940The complete starting cash picture.
Estimated remaining funds due at closing
$102,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,630.65
Your down payment$83,630.65
Closing costs + prepaids$19,309.47
Total buyer cash needed$102,940.12
Remaining funds due$102,940.12
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,681.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,288.25
Initial HOA (3 months)$125.01
Prepaid interest, first (24 days)$2,546.36
Fees + prepaids$19,309.47
Your down payment is the seller’s equity. You take over the $536,369 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $102,940.12 is due at closing. Uses and sources reconcile at $639,309.47 each. Not a Closing Disclosure.