Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$92,487Cash toward the purchase price.
Closing costs + prepaids$16,480Not just lender fees.
Before credits & paid funds$108,967The complete starting cash picture.
Estimated remaining funds due at closing
$108,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,486.91
Your down payment$92,486.91
Closing costs + prepaids$16,480.40
Total buyer cash needed$108,967.31
Remaining funds due$108,967.31
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,612.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$964.00
Initial HOA (3 months)$27.51
Prepaid interest, first (30 days)$1,258.33
Fees + prepaids$16,480.40
Your down payment is the seller’s equity. You take over the $522,513 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $108,967.31 is due at closing. Uses and sources reconcile at $631,480.40 each. Not a Closing Disclosure.