Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$92,220Cash toward the purchase price.
Closing costs + prepaids$16,915Not just lender fees.
Before credits & paid funds$109,135The complete starting cash picture.
Estimated remaining funds due at closing
$109,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,219.99
Your down payment$92,219.99
Closing costs + prepaids$16,915.15
Total buyer cash needed$109,135.14
Remaining funds due$109,135.14
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%)$6,298.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,687.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.75
Prepaid interest, first (30 days)$1,842.50
Fees + prepaids$16,915.15
Your down payment is the seller’s equity. You take over the $537,580 balance, so the rest of the $629,800 price is paid at closing. A second mortgage can cover part of it. $109,135.14 is due at closing. Uses and sources reconcile at $646,715.15 each. Not a Closing Disclosure.