Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$109,615Cash toward the purchase price.
Closing costs + prepaids$18,341Not just lender fees.
Before credits & paid funds$127,956The complete starting cash picture.
Estimated remaining funds due at closing
$127,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,615.12
Your down payment$109,615.12
Closing costs + prepaids$18,340.61
Total buyer cash needed$127,955.73
Remaining funds due$127,955.73
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,596.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,572.50
Initial HOA (3 months)$354.00
Prepaid interest, first (29 days)$2,059.18
Fees + prepaids$18,340.61
Your down payment is the seller’s equity. You take over the $519,385 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $127,955.73 is due at closing. Uses and sources reconcile at $647,340.61 each. Not a Closing Disclosure.