Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$94,834Cash toward the purchase price.
Closing costs + prepaids$15,702Not just lender fees.
Before credits & paid funds$110,536The complete starting cash picture.
Estimated remaining funds due at closing
$110,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,834.29
Your down payment$94,834.29
Closing costs + prepaids$15,701.52
Total buyer cash needed$110,535.81
Remaining funds due$110,535.81
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,700.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$501.50
Initial HOA (3 months)$585.00
Prepaid interest, first (1 days)$96.19
Fees + prepaids$15,701.52
Your down payment is the seller’s equity. You take over the $540,166 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $110,535.81 is due at closing. Uses and sources reconcile at $650,701.52 each. Not a Closing Disclosure.