Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$97,057Cash toward the purchase price.
Closing costs + prepaids$16,768Not just lender fees.
Before credits & paid funds$113,825The complete starting cash picture.
Estimated remaining funds due at closing
$113,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,056.83
Your down payment$97,056.83
Closing costs + prepaids$16,767.85
Total buyer cash needed$113,824.68
Remaining funds due$113,824.68
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%)$6,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,689.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$793.75
Initial HOA (3 months)$24.99
Prepaid interest, first (16 days)$1,442.89
Fees + prepaids$16,767.85
Your down payment is the seller’s equity. You take over the $537,843 balance, so the rest of the $634,900 price is paid at closing. A second mortgage can cover part of it. $113,824.68 is due at closing. Uses and sources reconcile at $651,667.85 each. Not a Closing Disclosure.