Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$95,877Cash toward the purchase price.
Closing costs + prepaids$16,346Not just lender fees.
Before credits & paid funds$112,223The complete starting cash picture.
Estimated remaining funds due at closing
$112,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,876.82
Your down payment$95,876.82
Closing costs + prepaids$16,346.15
Total buyer cash needed$112,222.97
Remaining funds due$112,222.97
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,745.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$774.00
Prepaid interest, first (9 days)$908.54
Fees + prepaids$16,346.15
Your down payment is the seller’s equity. You take over the $549,123 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $112,222.97 is due at closing. Uses and sources reconcile at $661,346.15 each. Not a Closing Disclosure.