Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$72,064Cash toward the purchase price.
Closing costs + prepaids$19,882Not just lender fees.
Before credits & paid funds$91,946The complete starting cash picture.
Estimated remaining funds due at closing
$91,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,063.62
Your down payment$72,063.62
Closing costs + prepaids$19,881.90
Total buyer cash needed$91,945.52
Remaining funds due$91,945.52
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,189.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$530.25
Prepaid interest, first (24 days)$2,843.97
Fees + prepaids$19,881.90
Your down payment is the seller’s equity. You take over the $637,936 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $91,945.52 is due at closing. Uses and sources reconcile at $729,881.90 each. Not a Closing Disclosure.