Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$57,489Cash toward the purchase price.
Closing costs + prepaids$20,651Not just lender fees.
Before credits & paid funds$78,140The complete starting cash picture.
Estimated remaining funds due at closing
$78,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,488.76
Your down payment$57,488.76
Closing costs + prepaids$20,650.82
Total buyer cash needed$78,139.58
Remaining funds due$78,139.58
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%)$7,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,312.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$852.75
Prepaid interest, first (26 days)$3,067.52
Fees + prepaids$20,650.82
Your down payment is the seller’s equity. You take over the $662,511 balance, so the rest of the $720,000 price is paid at closing. A second mortgage can cover part of it. $78,139.58 is due at closing. Uses and sources reconcile at $740,650.82 each. Not a Closing Disclosure.