Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,584Cash toward the purchase price.
Closing costs + prepaids$17,363Not just lender fees.
Before credits & paid funds$100,947The complete starting cash picture.
Estimated remaining funds due at closing
$100,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,584.48
Your down payment$83,584.48
Closing costs + prepaids$17,362.77
Total buyer cash needed$100,947.24
Remaining funds due$100,947.24
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%)$6,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,681.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$589.75
Prepaid interest, first (30 days)$2,424.44
Fees + prepaids$17,362.77
Your down payment is the seller’s equity. You take over the $536,316 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $100,947.24 is due at closing. Uses and sources reconcile at $637,262.77 each. Not a Closing Disclosure.