Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$90,266Cash toward the purchase price.
Closing costs + prepaids$19,105Not just lender fees.
Before credits & paid funds$109,371The complete starting cash picture.
Estimated remaining funds due at closing
$109,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,266.12
Your down payment$90,266.12
Closing costs + prepaids$19,104.71
Total buyer cash needed$109,370.83
Remaining funds due$109,370.83
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%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,123.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$408.50
Prepaid interest, first (20 days)$2,204.54
Fees + prepaids$19,104.71
Your down payment is the seller’s equity. You take over the $624,734 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $109,370.83 is due at closing. Uses and sources reconcile at $734,104.71 each. Not a Closing Disclosure.