Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$71,342Cash toward the purchase price.
Closing costs + prepaids$19,231Not just lender fees.
Before credits & paid funds$90,573The complete starting cash picture.
Estimated remaining funds due at closing
$90,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,342.27
Your down payment$71,342.27
Closing costs + prepaids$19,231.11
Total buyer cash needed$90,573.37
Remaining funds due$90,573.37
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%)$6,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,088.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$385.50
Prepaid interest, first (31 days)$3,399.32
Fees + prepaids$19,231.11
Your down payment is the seller’s equity. You take over the $617,658 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $90,573.37 is due at closing. Uses and sources reconcile at $708,231.11 each. Not a Closing Disclosure.