Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$81,978Cash toward the purchase price.
Closing costs + prepaids$16,905Not just lender fees.
Before credits & paid funds$98,884The complete starting cash picture.
Estimated remaining funds due at closing
$98,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,978.44
Your down payment$81,978.44
Closing costs + prepaids$16,905.09
Total buyer cash needed$98,883.52
Remaining funds due$98,883.52
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,840.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,657.50
Prepaid interest, first (4 days)$439.48
Fees + prepaids$16,905.09
Your down payment is the seller’s equity. You take over the $568,022 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $98,883.52 is due at closing. Uses and sources reconcile at $666,905.09 each. Not a Closing Disclosure.