Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$79,939Cash toward the purchase price.
Closing costs + prepaids$18,101Not just lender fees.
Before credits & paid funds$98,040The complete starting cash picture.
Estimated remaining funds due at closing
$98,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,938.86
Your down payment$79,938.86
Closing costs + prepaids$18,101.24
Total buyer cash needed$98,040.10
Remaining funds due$98,040.10
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,750.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$909.25
Initial HOA (3 months)$594.00
Prepaid interest, first (20 days)$2,079.68
Fees + prepaids$18,101.24
Your down payment is the seller’s equity. You take over the $550,061 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $98,040.10 is due at closing. Uses and sources reconcile at $648,101.24 each. Not a Closing Disclosure.