Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$93,319Cash toward the purchase price.
Closing costs + prepaids$18,704Not just lender fees.
Before credits & paid funds$112,023The complete starting cash picture.
Estimated remaining funds due at closing
$112,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,318.82
Your down payment$93,318.82
Closing costs + prepaids$18,704.38
Total buyer cash needed$112,023.20
Remaining funds due$112,023.20
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%)$6,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,907.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$687.00
Initial HOA (3 months)$120.00
Prepaid interest, first (25 days)$2,772.47
Fees + prepaids$18,704.38
Your down payment is the seller’s equity. You take over the $581,581 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $112,023.20 is due at closing. Uses and sources reconcile at $693,604.38 each. Not a Closing Disclosure.