Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$62,303Cash toward the purchase price.
Closing costs + prepaids$18,381Not just lender fees.
Before credits & paid funds$80,685The complete starting cash picture.
Estimated remaining funds due at closing
$80,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,303.42
Your down payment$62,303.42
Closing costs + prepaids$18,381.12
Total buyer cash needed$80,684.54
Remaining funds due$80,684.54
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,113.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$233.00
Initial HOA (3 months)$225.00
Prepaid interest, first (23 days)$2,491.64
Fees + prepaids$18,381.12
Your down payment is the seller’s equity. You take over the $622,697 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $80,684.54 is due at closing. Uses and sources reconcile at $703,381.12 each. Not a Closing Disclosure.