Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$59,181Cash toward the purchase price.
Closing costs + prepaids$18,761Not just lender fees.
Before credits & paid funds$77,943The complete starting cash picture.
Estimated remaining funds due at closing
$77,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,181.33
Your down payment$59,181.33
Closing costs + prepaids$18,761.39
Total buyer cash needed$77,942.71
Remaining funds due$77,942.71
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,079.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$608.75
Prepaid interest, first (25 days)$2,855.54
Fees + prepaids$18,761.39
Your down payment is the seller’s equity. You take over the $615,819 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $77,942.71 is due at closing. Uses and sources reconcile at $693,761.39 each. Not a Closing Disclosure.