Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$66,697Cash toward the purchase price.
Closing costs + prepaids$19,436Not just lender fees.
Before credits & paid funds$86,133The complete starting cash picture.
Estimated remaining funds due at closing
$86,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,697.12
Your down payment$66,697.12
Closing costs + prepaids$19,436.04
Total buyer cash needed$86,133.15
Remaining funds due$86,133.15
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,816.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,575.00
Initial HOA (3 months)$1,440.00
Prepaid interest, first (28 days)$1,836.52
Fees + prepaids$19,436.04
Your down payment is the seller’s equity. You take over the $563,303 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $86,133.15 is due at closing. Uses and sources reconcile at $649,436.04 each. Not a Closing Disclosure.