Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$72,688Cash toward the purchase price.
Closing costs + prepaids$15,638Not just lender fees.
Before credits & paid funds$88,326The complete starting cash picture.
Estimated remaining funds due at closing
$88,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,688.07
Your down payment$72,688.07
Closing costs + prepaids$15,637.83
Total buyer cash needed$88,325.91
Remaining funds due$88,325.91
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%)$6,122.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,697.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$734.75
Initial HOA (3 months)$110.01
Prepaid interest, first (12 days)$505.52
Fees + prepaids$15,637.83
Your down payment is the seller’s equity. You take over the $539,512 balance, so the rest of the $612,200 price is paid at closing. A second mortgage can cover part of it. $88,325.91 is due at closing. Uses and sources reconcile at $627,837.83 each. Not a Closing Disclosure.