Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$74,453Cash toward the purchase price.
Closing costs + prepaids$17,203Not just lender fees.
Before credits & paid funds$91,656The complete starting cash picture.
Estimated remaining funds due at closing
$91,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,453.04
Your down payment$74,453.04
Closing costs + prepaids$17,203.40
Total buyer cash needed$91,656.44
Remaining funds due$91,656.44
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%)$2,952.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$783.50
Initial HOA (3 months)$270.00
Prepaid interest, first (23 days)$1,079.16
Fees + prepaids$17,203.40
Your down payment is the seller’s equity. You take over the $590,547 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $91,656.44 is due at closing. Uses and sources reconcile at $682,203.40 each. Not a Closing Disclosure.