Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,813Cash toward the purchase price.
Closing costs + prepaids$18,040Not just lender fees.
Before credits & paid funds$80,854The complete starting cash picture.
Estimated remaining funds due at closing
$80,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,813.48
Your down payment$62,813.48
Closing costs + prepaids$18,040.50
Total buyer cash needed$80,853.97
Remaining funds due$80,853.97
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%)$6,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,005.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$703.00
Prepaid interest, first (27 days)$2,223.57
Fees + prepaids$18,040.50
Your down payment is the seller’s equity. You take over the $601,187 balance, so the rest of the $664,000 price is paid at closing. A second mortgage can cover part of it. $80,853.97 is due at closing. Uses and sources reconcile at $682,040.50 each. Not a Closing Disclosure.