Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$68,811Cash toward the purchase price.
Closing costs + prepaids$21,199Not just lender fees.
Before credits & paid funds$90,010The complete starting cash picture.
Estimated remaining funds due at closing
$90,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,810.84
Your down payment$68,810.84
Closing costs + prepaids$21,199.24
Total buyer cash needed$90,010.08
Remaining funds due$90,010.08
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%)$7,449.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,380.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$894.50
Initial HOA (3 months)$260.01
Prepaid interest, first (26 days)$2,995.94
Fees + prepaids$21,199.24
Your down payment is the seller’s equity. You take over the $676,179 balance, so the rest of the $744,990 price is paid at closing. A second mortgage can cover part of it. $90,010.08 is due at closing. Uses and sources reconcile at $766,189.24 each. Not a Closing Disclosure.