Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$94,413Cash toward the purchase price.
Closing costs + prepaids$20,524Not just lender fees.
Before credits & paid funds$114,937The complete starting cash picture.
Estimated remaining funds due at closing
$114,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,412.60
Your down payment$94,412.60
Closing costs + prepaids$20,524.47
Total buyer cash needed$114,937.07
Remaining funds due$114,937.07
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%)$7,299.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,177.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$47.50
Initial HOA (3 months)$402.00
Prepaid interest, first (31 days)$3,379.18
Fees + prepaids$20,524.47
Your down payment is the seller’s equity. You take over the $635,577 balance, so the rest of the $729,990 price is paid at closing. A second mortgage can cover part of it. $114,937.07 is due at closing. Uses and sources reconcile at $750,514.47 each. Not a Closing Disclosure.