Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$90,883Cash toward the purchase price.
Closing costs + prepaids$20,861Not just lender fees.
Before credits & paid funds$111,744The complete starting cash picture.
Estimated remaining funds due at closing
$111,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,883.04
Your down payment$90,883.04
Closing costs + prepaids$20,860.93
Total buyer cash needed$111,743.97
Remaining funds due$111,743.97
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%)$7,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,170.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$661.00
Initial HOA (3 months)$444.00
Prepaid interest, first (27 days)$3,118.84
Fees + prepaids$20,860.93
Your down payment is the seller’s equity. You take over the $634,017 balance, so the rest of the $724,900 price is paid at closing. A second mortgage can cover part of it. $111,743.97 is due at closing. Uses and sources reconcile at $745,760.93 each. Not a Closing Disclosure.