Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$92,684Cash toward the purchase price.
Closing costs + prepaids$19,920Not just lender fees.
Before credits & paid funds$112,604The complete starting cash picture.
Estimated remaining funds due at closing
$112,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,683.72
Your down payment$92,683.72
Closing costs + prepaids$19,920.18
Total buyer cash needed$112,603.89
Remaining funds due$112,603.89
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,786.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,589.50
Initial HOA (3 months)$828.00
Prepaid interest, first (31 days)$2,749.60
Fees + prepaids$19,920.18
Your down payment is the seller’s equity. You take over the $557,216 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $112,603.89 is due at closing. Uses and sources reconcile at $669,820.18 each. Not a Closing Disclosure.