Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$53,735Cash toward the purchase price.
Closing costs + prepaids$19,550Not just lender fees.
Before credits & paid funds$73,285The complete starting cash picture.
Estimated remaining funds due at closing
$73,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,734.80
Your down payment$53,734.80
Closing costs + prepaids$19,550.39
Total buyer cash needed$73,285.19
Remaining funds due$73,285.19
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%)$6,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,105.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.25
Prepaid interest, first (23 days)$2,540.31
Fees + prepaids$19,550.39
Your down payment is the seller’s equity. You take over the $621,165 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $73,285.19 is due at closing. Uses and sources reconcile at $694,450.39 each. Not a Closing Disclosure.