Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$96,911Cash toward the purchase price.
Closing costs + prepaids$17,489Not just lender fees.
Before credits & paid funds$114,400The complete starting cash picture.
Estimated remaining funds due at closing
$114,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,911.32
Your down payment$96,911.32
Closing costs + prepaids$17,488.55
Total buyer cash needed$114,399.87
Remaining funds due$114,399.87
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,565.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$718.50
Initial HOA (3 months)$90.00
Prepaid interest, first (28 days)$2,546.61
Fees + prepaids$17,488.55
Your down payment is the seller’s equity. You take over the $513,089 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $114,399.87 is due at closing. Uses and sources reconcile at $627,488.55 each. Not a Closing Disclosure.