Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$56,972Cash toward the purchase price.
Closing costs + prepaids$20,598Not just lender fees.
Before credits & paid funds$77,570The complete starting cash picture.
Estimated remaining funds due at closing
$77,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,972.01
Your down payment$56,972.01
Closing costs + prepaids$20,597.90
Total buyer cash needed$77,569.91
Remaining funds due$77,569.91
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%)$6,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,090.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.50
Initial HOA (3 months)$312.00
Prepaid interest, first (28 days)$3,290.27
Fees + prepaids$20,597.90
Your down payment is the seller’s equity. You take over the $618,027 balance, so the rest of the $674,999 price is paid at closing. A second mortgage can cover part of it. $77,569.91 is due at closing. Uses and sources reconcile at $695,596.90 each. Not a Closing Disclosure.