Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$65,112Cash toward the purchase price.
Closing costs + prepaids$16,965Not just lender fees.
Before credits & paid funds$82,077The complete starting cash picture.
Estimated remaining funds due at closing
$82,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,111.99
Your down payment$65,111.99
Closing costs + prepaids$16,964.69
Total buyer cash needed$82,076.69
Remaining funds due$82,076.69
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,823.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$804.00
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$1,494.75
Fees + prepaids$16,964.69
Your down payment is the seller’s equity. You take over the $564,788 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $82,076.69 is due at closing. Uses and sources reconcile at $646,864.69 each. Not a Closing Disclosure.