Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$93,106Cash toward the purchase price.
Closing costs + prepaids$22,037Not just lender fees.
Before credits & paid funds$115,144The complete starting cash picture.
Estimated remaining funds due at closing
$115,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,106.48
Your down payment$93,106.48
Closing costs + prepaids$22,037.10
Total buyer cash needed$115,143.58
Remaining funds due$115,143.58
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%)$7,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,134.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,558.75
Initial HOA (3 months)$350.01
Prepaid interest, first (30 days)$3,575.87
Fees + prepaids$22,037.10
Your down payment is the seller’s equity. You take over the $626,894 balance, so the rest of the $720,000 price is paid at closing. A second mortgage can cover part of it. $115,143.58 is due at closing. Uses and sources reconcile at $742,037.10 each. Not a Closing Disclosure.