Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$95,859Cash toward the purchase price.
Closing costs + prepaids$17,605Not just lender fees.
Before credits & paid funds$113,464The complete starting cash picture.
Estimated remaining funds due at closing
$113,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,859.37
Your down payment$95,859.37
Closing costs + prepaids$17,604.74
Total buyer cash needed$113,464.11
Remaining funds due$113,464.11
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,645.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Initial HOA (3 months)$1,626.00
Prepaid interest, first (9 days)$865.04
Fees + prepaids$17,604.74
Your down payment is the seller’s equity. You take over the $529,141 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $113,464.11 is due at closing. Uses and sources reconcile at $642,604.74 each. Not a Closing Disclosure.