Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$87,787Cash toward the purchase price.
Closing costs + prepaids$16,018Not just lender fees.
Before credits & paid funds$103,805The complete starting cash picture.
Estimated remaining funds due at closing
$103,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,787.02
Your down payment$87,787.02
Closing costs + prepaids$16,018.07
Total buyer cash needed$103,805.09
Remaining funds due$103,805.09
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,711.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$756.00
Initial HOA (3 months)$168.00
Prepaid interest, first (12 days)$615.00
Fees + prepaids$16,018.07
Your down payment is the seller’s equity. You take over the $542,213 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $103,805.09 is due at closing. Uses and sources reconcile at $646,018.07 each. Not a Closing Disclosure.