Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$70,109Cash toward the purchase price.
Closing costs + prepaids$22,908Not just lender fees.
Before credits & paid funds$93,017The complete starting cash picture.
Estimated remaining funds due at closing
$93,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,108.88
Your down payment$70,108.88
Closing costs + prepaids$22,908.03
Total buyer cash needed$93,016.91
Remaining funds due$93,016.91
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%)$7,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,574.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,498.00
Prepaid interest, first (28 days)$3,767.57
Fees + prepaids$22,908.03
Your down payment is the seller’s equity. You take over the $714,891 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $93,016.91 is due at closing. Uses and sources reconcile at $807,908.03 each. Not a Closing Disclosure.