Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$111,285Cash toward the purchase price.
Closing costs + prepaids$17,057Not just lender fees.
Before credits & paid funds$128,342The complete starting cash picture.
Estimated remaining funds due at closing
$128,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,285.14
Your down payment$111,285.14
Closing costs + prepaids$17,056.56
Total buyer cash needed$128,341.70
Remaining funds due$128,341.70
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,568.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$891.50
Initial HOA (3 months)$417.00
Prepaid interest, first (22 days)$1,461.48
Fees + prepaids$17,056.56
Your down payment is the seller’s equity. You take over the $513,715 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $128,341.70 is due at closing. Uses and sources reconcile at $642,056.56 each. Not a Closing Disclosure.