Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$61,808Cash toward the purchase price.
Closing costs + prepaids$17,783Not just lender fees.
Before credits & paid funds$79,591The complete starting cash picture.
Estimated remaining funds due at closing
$79,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,807.70
Your down payment$61,807.70
Closing costs + prepaids$17,783.42
Total buyer cash needed$79,591.12
Remaining funds due$79,591.12
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%)$6,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,140.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$828.00
Initial HOA (3 months)$135.00
Prepaid interest, first (12 days)$1,311.46
Fees + prepaids$17,783.42
Your down payment is the seller’s equity. You take over the $628,192 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $79,591.12 is due at closing. Uses and sources reconcile at $707,783.42 each. Not a Closing Disclosure.