Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$53,079Cash toward the purchase price.
Closing costs + prepaids$17,234Not just lender fees.
Before credits & paid funds$70,313The complete starting cash picture.
Estimated remaining funds due at closing
$70,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,078.54
Your down payment$53,078.54
Closing costs + prepaids$17,234.49
Total buyer cash needed$70,313.03
Remaining funds due$70,313.03
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%)$6,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,109.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.25
Prepaid interest, first (2 days)$221.13
Fees + prepaids$17,234.49
Your down payment is the seller’s equity. You take over the $621,821 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $70,313.03 is due at closing. Uses and sources reconcile at $692,134.49 each. Not a Closing Disclosure.