Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$79,643Cash toward the purchase price.
Closing costs + prepaids$17,562Not just lender fees.
Before credits & paid funds$97,206The complete starting cash picture.
Estimated remaining funds due at closing
$97,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,643.34
Your down payment$79,643.34
Closing costs + prepaids$17,562.24
Total buyer cash needed$97,205.58
Remaining funds due$97,205.58
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,826.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$420.50
Prepaid interest, first (25 days)$2,396.96
Fees + prepaids$17,562.24
Your down payment is the seller’s equity. You take over the $565,357 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $97,205.58 is due at closing. Uses and sources reconcile at $662,562.24 each. Not a Closing Disclosure.