Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$62,548Cash toward the purchase price.
Closing costs + prepaids$19,216Not just lender fees.
Before credits & paid funds$81,764The complete starting cash picture.
Estimated remaining funds due at closing
$81,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,547.66
Your down payment$62,547.66
Closing costs + prepaids$19,215.92
Total buyer cash needed$81,763.59
Remaining funds due$81,763.59
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,012.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,131.50
Initial HOA (3 months)$272.01
Prepaid interest, first (25 days)$2,682.15
Fees + prepaids$19,215.92
Your down payment is the seller’s equity. You take over the $602,452 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $81,763.59 is due at closing. Uses and sources reconcile at $684,215.92 each. Not a Closing Disclosure.