Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$35,640Cash toward the purchase price.
Closing costs + prepaids$18,339Not just lender fees.
Before credits & paid funds$53,979The complete starting cash picture.
Estimated remaining funds due at closing
$53,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,640.47
Your down payment$35,640.47
Closing costs + prepaids$18,338.74
Total buyer cash needed$53,979.21
Remaining funds due$53,979.21
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%)$6,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,996.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$566.75
Initial HOA (3 months)$255.99
Prepaid interest, first (25 days)$2,701.22
Fees + prepaids$18,338.74
Your down payment is the seller’s equity. You take over the $599,359 balance, so the rest of the $634,999 price is paid at closing. A second mortgage can cover part of it. $53,979.21 is due at closing. Uses and sources reconcile at $653,337.74 each. Not a Closing Disclosure.