Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$84,491Cash toward the purchase price.
Closing costs + prepaids$16,928Not just lender fees.
Before credits & paid funds$101,418The complete starting cash picture.
Estimated remaining funds due at closing
$101,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,490.66
Your down payment$84,490.66
Closing costs + prepaids$16,927.71
Total buyer cash needed$101,418.37
Remaining funds due$101,418.37
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%)$6,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,702.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$741.75
Prepaid interest, first (18 days)$1,766.92
Fees + prepaids$16,927.71
Your down payment is the seller’s equity. You take over the $540,409 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $101,418.37 is due at closing. Uses and sources reconcile at $641,827.71 each. Not a Closing Disclosure.