Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,542Cash toward the purchase price.
Closing costs + prepaids$21,831Not just lender fees.
Before credits & paid funds$89,372The complete starting cash picture.
Estimated remaining funds due at closing
$89,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,541.86
Your down payment$67,541.86
Closing costs + prepaids$21,830.62
Total buyer cash needed$89,372.48
Remaining funds due$89,372.48
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%)$7,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,462.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$892.25
Prepaid interest, first (31 days)$3,658.08
Fees + prepaids$21,830.62
Your down payment is the seller’s equity. You take over the $692,458 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $89,372.48 is due at closing. Uses and sources reconcile at $781,830.62 each. Not a Closing Disclosure.