Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$67,227Cash toward the purchase price.
Closing costs + prepaids$15,676Not just lender fees.
Before credits & paid funds$82,903The complete starting cash picture.
Estimated remaining funds due at closing
$82,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,227.22
Your down payment$67,227.22
Closing costs + prepaids$15,676.21
Total buyer cash needed$82,903.44
Remaining funds due$82,903.44
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,763.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$744.00
Initial HOA (3 months)$8.76
Prepaid interest, first (6 days)$491.59
Fees + prepaids$15,676.21
Your down payment is the seller’s equity. You take over the $552,773 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $82,903.44 is due at closing. Uses and sources reconcile at $635,676.21 each. Not a Closing Disclosure.