Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$72,390Cash toward the purchase price.
Closing costs + prepaids$16,981Not just lender fees.
Before credits & paid funds$89,371The complete starting cash picture.
Estimated remaining funds due at closing
$89,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,390.11
Your down payment$72,390.11
Closing costs + prepaids$16,980.87
Total buyer cash needed$89,370.98
Remaining funds due$89,370.98
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,963.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$798.00
Initial HOA (3 months)$756.00
Prepaid interest, first (6 days)$345.82
Fees + prepaids$16,980.87
Your down payment is the seller’s equity. You take over the $592,610 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $89,370.98 is due at closing. Uses and sources reconcile at $681,980.87 each. Not a Closing Disclosure.