Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$109,732Cash toward the purchase price.
Closing costs + prepaids$16,674Not just lender fees.
Before credits & paid funds$126,407The complete starting cash picture.
Estimated remaining funds due at closing
$126,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,732.21
Your down payment$109,732.21
Closing costs + prepaids$16,674.37
Total buyer cash needed$126,406.58
Remaining funds due$126,406.58
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%)$6,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,816.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$807.50
Initial HOA (3 months)$405.00
Prepaid interest, first (10 days)$447.53
Fees + prepaids$16,674.37
Your down payment is the seller’s equity. You take over the $563,268 balance, so the rest of the $673,000 price is paid at closing. A second mortgage can cover part of it. $126,406.58 is due at closing. Uses and sources reconcile at $689,674.37 each. Not a Closing Disclosure.