Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$86,181Cash toward the purchase price.
Closing costs + prepaids$21,734Not just lender fees.
Before credits & paid funds$107,915The complete starting cash picture.
Estimated remaining funds due at closing
$107,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,181.17
Your down payment$86,181.17
Closing costs + prepaids$21,733.65
Total buyer cash needed$107,914.83
Remaining funds due$107,914.83
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%)$7,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,118.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,406.25
Initial HOA (3 months)$37.74
Prepaid interest, first (31 days)$1,854.07
Fees + prepaids$21,733.65
Your down payment is the seller’s equity. You take over the $623,719 balance, so the rest of the $709,900 price is paid at closing. A second mortgage can cover part of it. $107,914.83 is due at closing. Uses and sources reconcile at $731,633.65 each. Not a Closing Disclosure.