Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$101,471Cash toward the purchase price.
Closing costs + prepaids$17,626Not just lender fees.
Before credits & paid funds$119,097The complete starting cash picture.
Estimated remaining funds due at closing
$119,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,470.77
Your down payment$101,470.77
Closing costs + prepaids$17,626.50
Total buyer cash needed$119,097.27
Remaining funds due$119,097.27
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,667.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$941.25
Prepaid interest, first (24 days)$2,199.60
Fees + prepaids$17,626.50
Your down payment is the seller’s equity. You take over the $533,529 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $119,097.27 is due at closing. Uses and sources reconcile at $652,626.50 each. Not a Closing Disclosure.