Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$62,989Cash toward the purchase price.
Closing costs + prepaids$19,659Not just lender fees.
Before credits & paid funds$82,648The complete starting cash picture.
Estimated remaining funds due at closing
$82,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,988.71
Your down payment$62,988.71
Closing costs + prepaids$19,659.00
Total buyer cash needed$82,647.71
Remaining funds due$82,647.71
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%)$6,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,059.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,045.25
Initial HOA (3 months)$483.00
Prepaid interest, first (25 days)$2,854.19
Fees + prepaids$19,659.00
Your down payment is the seller’s equity. You take over the $611,911 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $82,647.71 is due at closing. Uses and sources reconcile at $694,559.00 each. Not a Closing Disclosure.