Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$79,172Cash toward the purchase price.
Closing costs + prepaids$17,009Not just lender fees.
Before credits & paid funds$96,182The complete starting cash picture.
Estimated remaining funds due at closing
$96,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,172.27
Your down payment$79,172.27
Closing costs + prepaids$17,009.40
Total buyer cash needed$96,181.66
Remaining funds due$96,181.66
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,729.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$828.50
Initial HOA (3 months)$186.00
Prepaid interest, first (30 days)$1,547.76
Fees + prepaids$17,009.40
Your down payment is the seller’s equity. You take over the $545,828 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $96,181.66 is due at closing. Uses and sources reconcile at $642,009.40 each. Not a Closing Disclosure.