Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$67,135Cash toward the purchase price.
Closing costs + prepaids$22,208Not just lender fees.
Before credits & paid funds$89,343The complete starting cash picture.
Estimated remaining funds due at closing
$89,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,134.87
Your down payment$67,134.87
Closing costs + prepaids$22,207.80
Total buyer cash needed$89,342.68
Remaining funds due$89,342.68
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%)$7,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,414.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Prepaid interest, first (26 days)$3,200.63
Fees + prepaids$22,207.80
Your down payment is the seller’s equity. You take over the $682,855 balance, so the rest of the $749,990 price is paid at closing. A second mortgage can cover part of it. $89,342.68 is due at closing. Uses and sources reconcile at $772,197.80 each. Not a Closing Disclosure.