Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$80,719Cash toward the purchase price.
Closing costs + prepaids$15,997Not just lender fees.
Before credits & paid funds$96,716The complete starting cash picture.
Estimated remaining funds due at closing
$96,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,719.20
Your down payment$80,719.20
Closing costs + prepaids$15,996.98
Total buyer cash needed$96,716.18
Remaining funds due$96,716.18
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%)$6,149.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,671.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,537.50
Prepaid interest, first (2 days)$170.09
Fees + prepaids$15,996.98
Your down payment is the seller’s equity. You take over the $534,280 balance, so the rest of the $614,999 price is paid at closing. A second mortgage can cover part of it. $96,716.18 is due at closing. Uses and sources reconcile at $630,995.98 each. Not a Closing Disclosure.