Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$72,390Cash toward the purchase price.
Closing costs + prepaids$17,854Not just lender fees.
Before credits & paid funds$90,245The complete starting cash picture.
Estimated remaining funds due at closing
$90,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,390.11
Your down payment$72,390.11
Closing costs + prepaids$17,854.48
Total buyer cash needed$90,244.59
Remaining funds due$90,244.59
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,963.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$576.50
Initial HOA (3 months)$756.00
Prepaid interest, first (25 days)$1,440.94
Fees + prepaids$17,854.48
Your down payment is the seller’s equity. You take over the $592,610 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $90,244.59 is due at closing. Uses and sources reconcile at $682,854.48 each. Not a Closing Disclosure.