Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$105,022Cash toward the purchase price.
Closing costs + prepaids$16,501Not just lender fees.
Before credits & paid funds$121,523The complete starting cash picture.
Estimated remaining funds due at closing
$121,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,021.78
Your down payment$105,021.78
Closing costs + prepaids$16,501.18
Total buyer cash needed$121,522.96
Remaining funds due$121,522.96
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,624.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$576.50
Prepaid interest, first (30 days)$1,531.79
Fees + prepaids$16,501.18
Your down payment is the seller’s equity. You take over the $524,978 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $121,522.96 is due at closing. Uses and sources reconcile at $646,501.18 each. Not a Closing Disclosure.