Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$93,776Cash toward the purchase price.
Closing costs + prepaids$17,367Not just lender fees.
Before credits & paid funds$111,142The complete starting cash picture.
Estimated remaining funds due at closing
$111,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,775.67
Your down payment$93,775.67
Closing costs + prepaids$17,366.70
Total buyer cash needed$111,142.37
Remaining funds due$111,142.37
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%)$7,299.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,181.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$47.50
Initial HOA (3 months)$402.00
Prepaid interest, first (2 days)$218.23
Fees + prepaids$17,366.70
Your down payment is the seller’s equity. You take over the $636,214 balance, so the rest of the $729,990 price is paid at closing. A second mortgage can cover part of it. $111,142.37 is due at closing. Uses and sources reconcile at $747,356.70 each. Not a Closing Disclosure.