Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$66,887Cash toward the purchase price.
Closing costs + prepaids$17,146Not just lender fees.
Before credits & paid funds$84,033The complete starting cash picture.
Estimated remaining funds due at closing
$84,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,887.11
Your down payment$66,887.11
Closing costs + prepaids$17,145.66
Total buyer cash needed$84,032.77
Remaining funds due$84,032.77
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%)$6,049.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,690.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$226.50
Prepaid interest, first (29 days)$2,710.61
Fees + prepaids$17,145.66
Your down payment is the seller’s equity. You take over the $538,112 balance, so the rest of the $604,999 price is paid at closing. A second mortgage can cover part of it. $84,032.77 is due at closing. Uses and sources reconcile at $622,144.66 each. Not a Closing Disclosure.