Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$109,396Cash toward the purchase price.
Closing costs + prepaids$18,293Not just lender fees.
Before credits & paid funds$127,689The complete starting cash picture.
Estimated remaining funds due at closing
$127,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,395.96
Your down payment$109,395.96
Closing costs + prepaids$18,293.34
Total buyer cash needed$127,689.30
Remaining funds due$127,689.30
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%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,028.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$858.00
Prepaid interest, first (12 days)$1,039.32
Fees + prepaids$18,293.34
Your down payment is the seller’s equity. You take over the $605,604 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $127,689.30 is due at closing. Uses and sources reconcile at $733,293.34 each. Not a Closing Disclosure.