Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$68,225Cash toward the purchase price.
Closing costs + prepaids$22,280Not just lender fees.
Before credits & paid funds$90,504The complete starting cash picture.
Estimated remaining funds due at closing
$90,504No 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$22,279.74
Total buyer cash needed$90,504.44
Remaining funds due$90,504.44
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%)$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 (27 days)$3,442.26
Fees + prepaids$22,279.74
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. $90,504.44 is due at closing. Uses and sources reconcile at $842,269.74 each. Not a Closing Disclosure.