Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$102,359Cash toward the purchase price.
Closing costs + prepaids$20,610Not just lender fees.
Before credits & paid funds$122,969The complete starting cash picture.
Estimated remaining funds due at closing
$122,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,358.62
Your down payment$102,358.62
Closing costs + prepaids$20,610.15
Total buyer cash needed$122,968.77
Remaining funds due$122,968.77
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%)$7,345.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,160.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$507.00
Initial HOA (3 months)$1,509.00
Prepaid interest, first (27 days)$1,870.45
Fees + prepaids$20,610.15
Your down payment is the seller’s equity. You take over the $632,141 balance, so the rest of the $734,500 price is paid at closing. A second mortgage can cover part of it. $122,968.77 is due at closing. Uses and sources reconcile at $755,110.15 each. Not a Closing Disclosure.