Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$96,127Cash toward the purchase price.
Closing costs + prepaids$17,253Not just lender fees.
Before credits & paid funds$113,380The complete starting cash picture.
Estimated remaining funds due at closing
$113,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,126.87
Your down payment$96,126.87
Closing costs + prepaids$17,252.65
Total buyer cash needed$113,379.52
Remaining funds due$113,379.52
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%)$6,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,894.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$810.00
Prepaid interest, first (12 days)$1,330.30
Fees + prepaids$17,252.65
Your down payment is the seller’s equity. You take over the $578,872 balance, so the rest of the $674,999 price is paid at closing. A second mortgage can cover part of it. $113,379.52 is due at closing. Uses and sources reconcile at $692,251.65 each. Not a Closing Disclosure.