Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$95,877Cash toward the purchase price.
Closing costs + prepaids$17,896Not just lender fees.
Before credits & paid funds$113,773The complete starting cash picture.
Estimated remaining funds due at closing
$113,773No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,876.82
Your down payment$95,876.82
Closing costs + prepaids$17,896.14
Total buyer cash needed$113,772.96
Remaining funds due$113,772.96
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,745.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,314.50
Prepaid interest, first (19 days)$1,918.02
Fees + prepaids$17,896.14
Your down payment is the seller’s equity. You take over the $549,123 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $113,772.96 is due at closing. Uses and sources reconcile at $662,896.14 each. Not a Closing Disclosure.