Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$89,112Cash toward the purchase price.
Closing costs + prepaids$16,456Not just lender fees.
Before credits & paid funds$105,568The complete starting cash picture.
Estimated remaining funds due at closing
$105,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,111.57
Your down payment$89,111.57
Closing costs + prepaids$16,456.46
Total buyer cash needed$105,568.02
Remaining funds due$105,568.02
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%)$6,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,753.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$768.00
Initial HOA (3 months)$345.00
Prepaid interest, first (7 days)$722.51
Fees + prepaids$16,456.46
Your down payment is the seller’s equity. You take over the $550,788 balance, so the rest of the $639,900 price is paid at closing. A second mortgage can cover part of it. $105,568.02 is due at closing. Uses and sources reconcile at $656,356.46 each. Not a Closing Disclosure.