Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$107,615Cash toward the purchase price.
Closing costs + prepaids$15,888Not just lender fees.
Before credits & paid funds$123,503The complete starting cash picture.
Estimated remaining funds due at closing
$123,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,614.86
Your down payment$107,614.86
Closing costs + prepaids$15,888.31
Total buyer cash needed$123,503.17
Remaining funds due$123,503.17
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%)$6,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,561.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,466.50
Prepaid interest, first (2 days)$192.04
Fees + prepaids$15,888.31
Your down payment is the seller’s equity. You take over the $512,375 balance, so the rest of the $619,990 price is paid at closing. A second mortgage can cover part of it. $123,503.17 is due at closing. Uses and sources reconcile at $635,878.31 each. Not a Closing Disclosure.