Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$67,615Cash toward the purchase price.
Closing costs + prepaids$16,258Not just lender fees.
Before credits & paid funds$83,873The complete starting cash picture.
Estimated remaining funds due at closing
$83,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,615.09
Your down payment$67,615.09
Closing costs + prepaids$16,257.78
Total buyer cash needed$83,872.87
Remaining funds due$83,872.87
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%)$6,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,721.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$734.50
Initial HOA (3 months)$50.01
Prepaid interest, first (12 days)$1,163.34
Fees + prepaids$16,257.78
Your down payment is the seller’s equity. You take over the $544,385 balance, so the rest of the $612,000 price is paid at closing. A second mortgage can cover part of it. $83,872.87 is due at closing. Uses and sources reconcile at $628,257.78 each. Not a Closing Disclosure.