Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$88,463Cash toward the purchase price.
Closing costs + prepaids$16,697Not just lender fees.
Before credits & paid funds$105,160The complete starting cash picture.
Estimated remaining funds due at closing
$105,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,463.40
Your down payment$88,463.40
Closing costs + prepaids$16,696.73
Total buyer cash needed$105,160.13
Remaining funds due$105,160.13
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,682.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$781.25
Prepaid interest, first (15 days)$1,514.80
Fees + prepaids$16,696.73
Your down payment is the seller’s equity. You take over the $536,537 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $105,160.13 is due at closing. Uses and sources reconcile at $641,696.73 each. Not a Closing Disclosure.