Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$68,671Cash toward the purchase price.
Closing costs + prepaids$17,406Not just lender fees.
Before credits & paid funds$86,077The complete starting cash picture.
Estimated remaining funds due at closing
$86,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,670.64
Your down payment$68,670.64
Closing costs + prepaids$17,406.18
Total buyer cash needed$86,076.83
Remaining funds due$86,076.83
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%)$6,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,881.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$644.50
Initial HOA (3 months)$423.00
Prepaid interest, first (19 days)$1,539.04
Fees + prepaids$17,406.18
Your down payment is the seller’s equity. You take over the $576,329 balance, so the rest of the $645,000 price is paid at closing. A second mortgage can cover part of it. $86,076.83 is due at closing. Uses and sources reconcile at $662,406.18 each. Not a Closing Disclosure.