Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$96,127Cash toward the purchase price.
Closing costs + prepaids$16,587Not just lender fees.
Before credits & paid funds$112,714The complete starting cash picture.
Estimated remaining funds due at closing
$112,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,126.87
Your down payment$96,126.87
Closing costs + prepaids$16,587.50
Total buyer cash needed$112,714.37
Remaining funds due$112,714.37
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%)$6,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,894.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$810.00
Prepaid interest, first (6 days)$665.15
Fees + prepaids$16,587.50
Your down payment is the seller’s equity. You take over the $578,872 balance, so the rest of the $674,999 price is paid at closing. A second mortgage can cover part of it. $112,714.37 is due at closing. Uses and sources reconcile at $691,586.50 each. Not a Closing Disclosure.