Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$66,909Cash toward the purchase price.
Closing costs + prepaids$23,964Not just lender fees.
Before credits & paid funds$90,873The complete starting cash picture.
Estimated remaining funds due at closing
$90,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,909.02
Your down payment$66,909.02
Closing costs + prepaids$23,963.62
Total buyer cash needed$90,872.64
Remaining funds due$90,872.64
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%)$7,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,364.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,849.75
Initial HOA (3 months)$1,920.00
Prepaid interest, first (26 days)$3,211.92
Fees + prepaids$23,963.62
Your down payment is the seller’s equity. You take over the $672,991 balance, so the rest of the $739,900 price is paid at closing. A second mortgage can cover part of it. $90,872.64 is due at closing. Uses and sources reconcile at $763,863.62 each. Not a Closing Disclosure.