Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,832Cash toward the purchase price.
Closing costs + prepaids$16,724Not just lender fees.
Before credits & paid funds$84,556The complete starting cash picture.
Estimated remaining funds due at closing
$84,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,831.75
Your down payment$67,831.75
Closing costs + prepaids$16,723.95
Total buyer cash needed$84,555.69
Remaining funds due$84,555.69
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,910.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,625.00
Prepaid interest, first (2 days)$220.11
Fees + prepaids$16,723.95
Your down payment is the seller’s equity. You take over the $582,168 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $84,555.69 is due at closing. Uses and sources reconcile at $666,723.95 each. Not a Closing Disclosure.