Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$68,078Cash toward the purchase price.
Closing costs + prepaids$19,295Not just lender fees.
Before credits & paid funds$87,372The complete starting cash picture.
Estimated remaining funds due at closing
$87,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,077.88
Your down payment$68,077.88
Closing costs + prepaids$19,294.54
Total buyer cash needed$87,372.42
Remaining funds due$87,372.42
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%)$6,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,104.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$859.25
Initial HOA (3 months)$350.01
Prepaid interest, first (27 days)$2,622.67
Fees + prepaids$19,294.54
Your down payment is the seller’s equity. You take over the $620,922 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $87,372.42 is due at closing. Uses and sources reconcile at $708,294.54 each. Not a Closing Disclosure.