Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$99,431Cash toward the purchase price.
Closing costs + prepaids$15,920Not just lender fees.
Before credits & paid funds$115,352The complete starting cash picture.
Estimated remaining funds due at closing
$115,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,431.42
Your down payment$99,431.42
Closing costs + prepaids$15,920.19
Total buyer cash needed$115,351.61
Remaining funds due$115,351.61
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,602.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,032.50
Initial HOA (3 months)$438.00
Prepaid interest, first (2 days)$178.85
Fees + prepaids$15,920.19
Your down payment is the seller’s equity. You take over the $520,569 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $115,351.61 is due at closing. Uses and sources reconcile at $635,920.19 each. Not a Closing Disclosure.