Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$86,267Cash toward the purchase price.
Closing costs + prepaids$19,076Not just lender fees.
Before credits & paid funds$105,343The complete starting cash picture.
Estimated remaining funds due at closing
$105,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,267.09
Your down payment$86,267.09
Closing costs + prepaids$19,075.55
Total buyer cash needed$105,342.64
Remaining funds due$105,342.64
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%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,818.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,625.00
Prepaid interest, first (28 days)$2,663.90
Fees + prepaids$19,075.55
Your down payment is the seller’s equity. You take over the $563,732 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $105,342.64 is due at closing. Uses and sources reconcile at $669,074.55 each. Not a Closing Disclosure.