Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$57,374Cash toward the purchase price.
Closing costs + prepaids$23,695Not just lender fees.
Before credits & paid funds$81,069The complete starting cash picture.
Estimated remaining funds due at closing
$81,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,373.91
Your down payment$57,373.91
Closing costs + prepaids$23,694.85
Total buyer cash needed$81,068.76
Remaining funds due$81,068.76
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%)$7,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,413.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,850.00
Initial HOA (3 months)$1,101.00
Prepaid interest, first (28 days)$3,712.73
Fees + prepaids$23,694.85
Your down payment is the seller’s equity. You take over the $682,625 balance, so the rest of the $739,999 price is paid at closing. A second mortgage can cover part of it. $81,068.76 is due at closing. Uses and sources reconcile at $763,693.85 each. Not a Closing Disclosure.