Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,706Cash toward the purchase price.
Closing costs + prepaids$18,658Not just lender fees.
Before credits & paid funds$94,364The complete starting cash picture.
Estimated remaining funds due at closing
$94,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,705.62
Your down payment$75,705.62
Closing costs + prepaids$18,657.90
Total buyer cash needed$94,363.53
Remaining funds due$94,363.53
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,870.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$644.50
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$2,989.43
Fees + prepaids$18,657.90
Your down payment is the seller’s equity. You take over the $574,194 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $94,363.53 is due at closing. Uses and sources reconcile at $668,557.90 each. Not a Closing Disclosure.