Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$70,328Cash toward the purchase price.
Closing costs + prepaids$17,492Not just lender fees.
Before credits & paid funds$87,820The complete starting cash picture.
Estimated remaining funds due at closing
$87,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,328.01
Your down payment$70,328.01
Closing costs + prepaids$17,491.96
Total buyer cash needed$87,819.97
Remaining funds due$87,819.97
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,823.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,587.50
Initial HOA (3 months)$81.00
Prepaid interest, first (27 days)$1,182.10
Fees + prepaids$17,491.96
Your down payment is the seller’s equity. You take over the $564,672 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $87,819.97 is due at closing. Uses and sources reconcile at $652,491.96 each. Not a Closing Disclosure.