Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$84,413Cash toward the purchase price.
Closing costs + prepaids$18,952Not just lender fees.
Before credits & paid funds$103,364The complete starting cash picture.
Estimated remaining funds due at closing
$103,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,412.60
Your down payment$84,412.60
Closing costs + prepaids$18,951.85
Total buyer cash needed$103,364.44
Remaining funds due$103,364.44
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%)$7,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,177.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$864.00
Initial HOA (3 months)$402.00
Prepaid interest, first (10 days)$1,090.06
Fees + prepaids$18,951.85
Your down payment is the seller’s equity. You take over the $635,577 balance, so the rest of the $719,990 price is paid at closing. A second mortgage can cover part of it. $103,364.44 is due at closing. Uses and sources reconcile at $738,941.85 each. Not a Closing Disclosure.