Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$86,431Cash toward the purchase price.
Closing costs + prepaids$18,583Not just lender fees.
Before credits & paid funds$105,015The complete starting cash picture.
Estimated remaining funds due at closing
$105,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,431.47
Your down payment$86,431.47
Closing costs + prepaids$18,583.42
Total buyer cash needed$105,014.90
Remaining funds due$105,014.90
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%)$7,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,137.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$856.75
Initial HOA (3 months)$225.00
Prepaid interest, first (9 days)$1,005.83
Fees + prepaids$18,583.42
Your down payment is the seller’s equity. You take over the $627,569 balance, so the rest of the $714,000 price is paid at closing. A second mortgage can cover part of it. $105,014.90 is due at closing. Uses and sources reconcile at $732,583.42 each. Not a Closing Disclosure.