Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$79,939Cash toward the purchase price.
Closing costs + prepaids$16,908Not just lender fees.
Before credits & paid funds$96,847The complete starting cash picture.
Estimated remaining funds due at closing
$96,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,938.86
Your down payment$79,938.86
Closing costs + prepaids$16,908.15
Total buyer cash needed$96,847.00
Remaining funds due$96,847.00
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,750.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$756.00
Initial HOA (3 months)$594.00
Prepaid interest, first (10 days)$1,039.84
Fees + prepaids$16,908.15
Your down payment is the seller’s equity. You take over the $550,061 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $96,847.00 is due at closing. Uses and sources reconcile at $646,908.15 each. Not a Closing Disclosure.