Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$90,883Cash toward the purchase price.
Closing costs + prepaids$21,323Not just lender fees.
Before credits & paid funds$112,206The complete starting cash picture.
Estimated remaining funds due at closing
$112,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,883.04
Your down payment$90,883.04
Closing costs + prepaids$21,322.98
Total buyer cash needed$112,206.02
Remaining funds due$112,206.02
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%)$7,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,170.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$661.00
Initial HOA (3 months)$444.00
Prepaid interest, first (31 days)$3,580.89
Fees + prepaids$21,322.98
Your down payment is the seller’s equity. You take over the $634,017 balance, so the rest of the $724,900 price is paid at closing. A second mortgage can cover part of it. $112,206.02 is due at closing. Uses and sources reconcile at $746,222.98 each. Not a Closing Disclosure.