Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,557Cash toward the purchase price.
Closing costs + prepaids$18,687Not just lender fees.
Before credits & paid funds$102,245The complete starting cash picture.
Estimated remaining funds due at closing
$102,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,557.49
Your down payment$83,557.49
Closing costs + prepaids$18,687.08
Total buyer cash needed$102,244.57
Remaining funds due$102,244.57
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%)$2,732.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,244.50
Initial HOA (3 months)$27.51
Prepaid interest, first (30 days)$2,914.86
Fees + prepaids$18,687.08
Your down payment is the seller’s equity. You take over the $546,443 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $102,244.57 is due at closing. Uses and sources reconcile at $648,687.08 each. Not a Closing Disclosure.