Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$92,026Cash toward the purchase price.
Closing costs + prepaids$17,331Not just lender fees.
Before credits & paid funds$109,357The complete starting cash picture.
Estimated remaining funds due at closing
$109,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,026.21
Your down payment$92,026.21
Closing costs + prepaids$17,330.64
Total buyer cash needed$109,356.85
Remaining funds due$109,356.85
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%)$6,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,609.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$889.25
Initial HOA (3 months)$365.01
Prepaid interest, first (19 days)$1,858.51
Fees + prepaids$17,330.64
Your down payment is the seller’s equity. You take over the $521,974 balance, so the rest of the $614,000 price is paid at closing. A second mortgage can cover part of it. $109,356.85 is due at closing. Uses and sources reconcile at $631,330.64 each. Not a Closing Disclosure.