Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$66,887Cash toward the purchase price.
Closing costs + prepaids$16,117Not just lender fees.
Before credits & paid funds$83,005The complete starting cash picture.
Estimated remaining funds due at closing
$83,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,887.11
Your down payment$66,887.11
Closing costs + prepaids$16,117.50
Total buyer cash needed$83,004.61
Remaining funds due$83,004.61
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%)$6,049.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,690.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$226.50
Prepaid interest, first (18 days)$1,682.45
Fees + prepaids$16,117.50
Your down payment is the seller’s equity. You take over the $538,112 balance, so the rest of the $604,999 price is paid at closing. A second mortgage can cover part of it. $83,004.61 is due at closing. Uses and sources reconcile at $621,116.50 each. Not a Closing Disclosure.