Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$74,772Cash toward the purchase price.
Closing costs + prepaids$17,859Not just lender fees.
Before credits & paid funds$92,631The complete starting cash picture.
Estimated remaining funds due at closing
$92,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,771.90
Your down payment$74,771.90
Closing costs + prepaids$17,859.34
Total buyer cash needed$92,631.24
Remaining funds due$92,631.24
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%)$6,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,651.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,311.75
Initial HOA (3 months)$234.00
Prepaid interest, first (22 days)$2,144.45
Fees + prepaids$17,859.34
Your down payment is the seller’s equity. You take over the $530,228 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $92,631.24 is due at closing. Uses and sources reconcile at $622,859.34 each. Not a Closing Disclosure.