Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$89,542Cash toward the purchase price.
Closing costs + prepaids$18,273Not just lender fees.
Before credits & paid funds$107,815The complete starting cash picture.
Estimated remaining funds due at closing
$107,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,541.79
Your down payment$89,541.79
Closing costs + prepaids$18,272.85
Total buyer cash needed$107,814.63
Remaining funds due$107,814.63
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%)$6,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,662.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$753.75
Initial HOA (3 months)$330.00
Prepaid interest, first (28 days)$2,838.80
Fees + prepaids$18,272.85
Your down payment is the seller’s equity. You take over the $532,458 balance, so the rest of the $622,000 price is paid at closing. A second mortgage can cover part of it. $107,814.63 is due at closing. Uses and sources reconcile at $640,272.85 each. Not a Closing Disclosure.