Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,419Cash toward the purchase price.
Closing costs + prepaids$20,622Not just lender fees.
Before credits & paid funds$83,041The complete starting cash picture.
Estimated remaining funds due at closing
$83,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,419.14
Your down payment$62,419.14
Closing costs + prepaids$20,621.72
Total buyer cash needed$83,040.86
Remaining funds due$83,040.86
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%)$3,062.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,474.25
Initial HOA (3 months)$13.74
Prepaid interest, first (27 days)$2,854.33
Fees + prepaids$20,621.72
Your down payment is the seller’s equity. You take over the $612,481 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $83,040.86 is due at closing. Uses and sources reconcile at $695,521.72 each. Not a Closing Disclosure.