Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$91,031Cash toward the purchase price.
Closing costs + prepaids$18,238Not just lender fees.
Before credits & paid funds$109,269The complete starting cash picture.
Estimated remaining funds due at closing
$109,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,030.71
Your down payment$91,030.71
Closing costs + prepaids$18,238.28
Total buyer cash needed$109,268.99
Remaining funds due$109,268.99
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,794.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,047.00
Prepaid interest, first (23 days)$2,429.93
Fees + prepaids$18,238.28
Your down payment is the seller’s equity. You take over the $558,869 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $109,268.99 is due at closing. Uses and sources reconcile at $668,138.28 each. Not a Closing Disclosure.