Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$71,484Cash toward the purchase price.
Closing costs + prepaids$17,301Not just lender fees.
Before credits & paid funds$88,785The complete starting cash picture.
Estimated remaining funds due at closing
$88,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,484.01
Your down payment$71,484.01
Closing costs + prepaids$17,301.06
Total buyer cash needed$88,785.06
Remaining funds due$88,785.06
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%)$6,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,687.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$855.50
Initial HOA (3 months)$112.50
Prepaid interest, first (27 days)$2,087.48
Fees + prepaids$17,301.06
Your down payment is the seller’s equity. You take over the $537,516 balance, so the rest of the $609,000 price is paid at closing. A second mortgage can cover part of it. $88,785.06 is due at closing. Uses and sources reconcile at $626,301.06 each. Not a Closing Disclosure.