Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$71,766Cash toward the purchase price.
Closing costs + prepaids$20,154Not just lender fees.
Before credits & paid funds$91,919The complete starting cash picture.
Estimated remaining funds due at closing
$91,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,765.52
Your down payment$71,765.52
Closing costs + prepaids$20,153.82
Total buyer cash needed$91,919.34
Remaining funds due$91,919.34
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%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,991.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,675.00
Initial HOA (3 months)$1,107.00
Prepaid interest, first (18 days)$2,212.65
Fees + prepaids$20,153.82
Your down payment is the seller’s equity. You take over the $598,234 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $91,919.34 is due at closing. Uses and sources reconcile at $690,153.82 each. Not a Closing Disclosure.