Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$56,308Cash toward the purchase price.
Closing costs + prepaids$18,846Not just lender fees.
Before credits & paid funds$75,154The complete starting cash picture.
Estimated remaining funds due at closing
$75,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,307.60
Your down payment$56,307.60
Closing costs + prepaids$18,845.95
Total buyer cash needed$75,153.55
Remaining funds due$75,153.55
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%)$6,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,118.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,016.00
Prepaid interest, first (22 days)$2,443.50
Fees + prepaids$18,845.95
Your down payment is the seller’s equity. You take over the $623,691 balance, so the rest of the $679,999 price is paid at closing. A second mortgage can cover part of it. $75,153.55 is due at closing. Uses and sources reconcile at $698,844.95 each. Not a Closing Disclosure.