Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$68,296Cash toward the purchase price.
Closing costs + prepaids$17,698Not just lender fees.
Before credits & paid funds$85,993The complete starting cash picture.
Estimated remaining funds due at closing
$85,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,295.51
Your down payment$68,295.51
Closing costs + prepaids$17,697.74
Total buyer cash needed$85,993.26
Remaining funds due$85,993.26
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%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,908.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,625.00
Prepaid interest, first (18 days)$1,196.24
Fees + prepaids$17,697.74
Your down payment is the seller’s equity. You take over the $581,703 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $85,993.26 is due at closing. Uses and sources reconcile at $667,696.74 each. Not a Closing Disclosure.