Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$84,154Cash toward the purchase price.
Closing costs + prepaids$16,483Not just lender fees.
Before credits & paid funds$100,637The complete starting cash picture.
Estimated remaining funds due at closing
$100,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,154.41
Your down payment$84,154.41
Closing costs + prepaids$16,482.91
Total buyer cash needed$100,637.31
Remaining funds due$100,637.31
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,824.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$778.75
Initial HOA (3 months)$330.00
Prepaid interest, first (9 days)$591.93
Fees + prepaids$16,482.91
Your down payment is the seller’s equity. You take over the $564,846 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $100,637.31 is due at closing. Uses and sources reconcile at $665,482.91 each. Not a Closing Disclosure.