Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$92,006Cash toward the purchase price.
Closing costs + prepaids$16,556Not just lender fees.
Before credits & paid funds$108,561The complete starting cash picture.
Estimated remaining funds due at closing
$108,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,005.62
Your down payment$92,005.62
Closing costs + prepaids$16,555.64
Total buyer cash needed$108,561.27
Remaining funds due$108,561.27
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%)$6,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,589.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$540.75
Initial HOA (3 months)$99.00
Prepaid interest, first (31 days)$1,759.42
Fees + prepaids$16,555.64
Your down payment is the seller’s equity. You take over the $517,894 balance, so the rest of the $609,900 price is paid at closing. A second mortgage can cover part of it. $108,561.27 is due at closing. Uses and sources reconcile at $626,455.64 each. Not a Closing Disclosure.