Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$67,541Cash toward the purchase price.
Closing costs + prepaids$18,639Not just lender fees.
Before credits & paid funds$86,180The complete starting cash picture.
Estimated remaining funds due at closing
$86,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,541.24
Your down payment$67,541.24
Closing costs + prepaids$18,638.59
Total buyer cash needed$86,179.83
Remaining funds due$86,179.83
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%)$6,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,961.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$515.25
Prepaid interest, first (28 days)$3,094.55
Fees + prepaids$18,638.59
Your down payment is the seller’s equity. You take over the $592,359 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $86,179.83 is due at closing. Uses and sources reconcile at $678,538.59 each. Not a Closing Disclosure.