Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$71,031Cash toward the purchase price.
Closing costs + prepaids$17,116Not just lender fees.
Before credits & paid funds$88,147The complete starting cash picture.
Estimated remaining funds due at closing
$88,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,030.71
Your down payment$71,030.71
Closing costs + prepaids$17,115.79
Total buyer cash needed$88,146.50
Remaining funds due$88,146.50
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%)$6,299.00
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)$1,181.00
Prepaid interest, first (13 days)$1,373.44
Fees + prepaids$17,115.79
Your down payment is the seller’s equity. You take over the $558,869 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $88,146.50 is due at closing. Uses and sources reconcile at $647,015.79 each. Not a Closing Disclosure.