Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$88,091Cash toward the purchase price.
Closing costs + prepaids$17,828Not just lender fees.
Before credits & paid funds$105,919The complete starting cash picture.
Estimated remaining funds due at closing
$105,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,090.52
Your down payment$88,090.52
Closing costs + prepaids$17,828.18
Total buyer cash needed$105,918.70
Remaining funds due$105,918.70
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,809.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$581.00
Prepaid interest, first (26 days)$2,469.63
Fees + prepaids$17,828.18
Your down payment is the seller’s equity. You take over the $561,909 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $105,918.70 is due at closing. Uses and sources reconcile at $667,828.18 each. Not a Closing Disclosure.