Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,739Cash toward the purchase price.
Closing costs + prepaids$19,104Not just lender fees.
Before credits & paid funds$107,843The complete starting cash picture.
Estimated remaining funds due at closing
$107,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,739.01
Your down payment$88,739.01
Closing costs + prepaids$19,103.67
Total buyer cash needed$107,842.68
Remaining funds due$107,842.68
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,755.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,618.75
Prepaid interest, first (27 days)$2,862.11
Fees + prepaids$19,103.67
Your down payment is the seller’s equity. You take over the $551,161 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $107,842.68 is due at closing. Uses and sources reconcile at $659,003.67 each. Not a Closing Disclosure.