Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$92,026Cash toward the purchase price.
Closing costs + prepaids$18,504Not just lender fees.
Before credits & paid funds$110,531The complete starting cash picture.
Estimated remaining funds due at closing
$110,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,026.21
Your down payment$92,026.21
Closing costs + prepaids$18,504.44
Total buyer cash needed$110,530.65
Remaining funds due$110,530.65
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%)$6,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,609.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$889.25
Initial HOA (3 months)$365.01
Prepaid interest, first (31 days)$3,032.31
Fees + prepaids$18,504.44
Your down payment is the seller’s equity. You take over the $521,974 balance, so the rest of the $614,000 price is paid at closing. A second mortgage can cover part of it. $110,530.65 is due at closing. Uses and sources reconcile at $632,504.44 each. Not a Closing Disclosure.