Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$72,747Cash toward the purchase price.
Closing costs + prepaids$18,796Not just lender fees.
Before credits & paid funds$91,542The complete starting cash picture.
Estimated remaining funds due at closing
$91,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,746.67
Your down payment$72,746.67
Closing costs + prepaids$18,795.54
Total buyer cash needed$91,542.21
Remaining funds due$91,542.21
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%)$6,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,006.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,387.00
Prepaid interest, first (25 days)$1,194.27
Fees + prepaids$18,795.54
Your down payment is the seller’s equity. You take over the $601,253 balance, so the rest of the $674,000 price is paid at closing. A second mortgage can cover part of it. $91,542.21 is due at closing. Uses and sources reconcile at $692,795.54 each. Not a Closing Disclosure.