Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$66,838Cash toward the purchase price.
Closing costs + prepaids$18,294Not just lender fees.
Before credits & paid funds$85,133The complete starting cash picture.
Estimated remaining funds due at closing
$85,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,838.38
Your down payment$66,838.38
Closing costs + prepaids$18,294.18
Total buyer cash needed$85,132.56
Remaining funds due$85,132.56
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%)$7,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,465.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$892.25
Prepaid interest, first (1 days)$118.12
Fees + prepaids$18,294.18
Your down payment is the seller’s equity. You take over the $693,162 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $85,132.56 is due at closing. Uses and sources reconcile at $778,294.18 each. Not a Closing Disclosure.