Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$66,923Cash toward the purchase price.
Closing costs + prepaids$17,708Not just lender fees.
Before credits & paid funds$84,631The complete starting cash picture.
Estimated remaining funds due at closing
$84,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,922.78
Your down payment$66,922.78
Closing costs + prepaids$17,708.34
Total buyer cash needed$84,631.11
Remaining funds due$84,631.11
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,914.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$489.75
Prepaid interest, first (22 days)$2,336.70
Fees + prepaids$17,708.34
Your down payment is the seller’s equity. You take over the $582,977 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $84,631.11 is due at closing. Uses and sources reconcile at $667,608.34 each. Not a Closing Disclosure.