Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$79,643Cash toward the purchase price.
Closing costs + prepaids$16,893Not just lender fees.
Before credits & paid funds$96,537The complete starting cash picture.
Estimated remaining funds due at closing
$96,537No 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$16,893.33
Total buyer cash needed$96,536.67
Remaining funds due$96,536.67
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)$806.25
Prepaid interest, first (14 days)$1,342.30
Fees + prepaids$16,893.33
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. $96,536.67 is due at closing. Uses and sources reconcile at $661,893.33 each. Not a Closing Disclosure.