Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$64,212Cash toward the purchase price.
Closing costs + prepaids$16,557Not just lender fees.
Before credits & paid funds$80,769The complete starting cash picture.
Estimated remaining funds due at closing
$80,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,211.99
Your down payment$64,211.99
Closing costs + prepaids$16,557.09
Total buyer cash needed$80,769.09
Remaining funds due$80,769.09
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,823.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$804.00
Initial HOA (3 months)$75.00
Prepaid interest, first (22 days)$1,096.15
Fees + prepaids$16,557.09
Your down payment is the seller’s equity. You take over the $564,788 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $80,769.09 is due at closing. Uses and sources reconcile at $645,557.09 each. Not a Closing Disclosure.