Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$77,816Cash toward the purchase price.
Closing costs + prepaids$16,429Not just lender fees.
Before credits & paid funds$94,245The complete starting cash picture.
Estimated remaining funds due at closing
$94,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,816.45
Your down payment$77,816.45
Closing costs + prepaids$16,428.96
Total buyer cash needed$94,245.41
Remaining funds due$94,245.41
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,835.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,317.50
Initial HOA (3 months)$195.00
Prepaid interest, first (2 days)$162.54
Fees + prepaids$16,428.96
Your down payment is the seller’s equity. You take over the $567,184 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $94,245.41 is due at closing. Uses and sources reconcile at $661,428.96 each. Not a Closing Disclosure.