Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$54,656Cash toward the purchase price.
Closing costs + prepaids$16,344Not just lender fees.
Before credits & paid funds$71,001The complete starting cash picture.
Estimated remaining funds due at closing
$71,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,656.37
Your down payment$54,656.37
Closing costs + prepaids$16,344.15
Total buyer cash needed$71,000.52
Remaining funds due$71,000.52
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%)$6,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,126.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$193.25
Initial HOA (3 months)$534.99
Prepaid interest, first (2 days)$222.69
Fees + prepaids$16,344.15
Your down payment is the seller’s equity. You take over the $625,244 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $71,000.52 is due at closing. Uses and sources reconcile at $696,244.15 each. Not a Closing Disclosure.