Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$68,225Cash toward the purchase price.
Closing costs + prepaids$21,387Not just lender fees.
Before credits & paid funds$89,612The complete starting cash picture.
Estimated remaining funds due at closing
$89,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,224.71
Your down payment$68,224.71
Closing costs + prepaids$21,387.30
Total buyer cash needed$89,612.00
Remaining funds due$89,612.00
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%)$8,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,758.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$273.75
Initial HOA (3 months)$387.00
Prepaid interest, first (20 days)$2,549.82
Fees + prepaids$21,387.30
Your down payment is the seller’s equity. You take over the $751,765 balance, so the rest of the $819,990 price is paid at closing. A second mortgage can cover part of it. $89,612.00 is due at closing. Uses and sources reconcile at $841,377.30 each. Not a Closing Disclosure.