Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$42,132Cash toward the purchase price.
Closing costs + prepaids$18,890Not just lender fees.
Before credits & paid funds$61,022The complete starting cash picture.
Estimated remaining funds due at closing
$61,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,131.89
Your down payment$42,131.89
Closing costs + prepaids$18,890.07
Total buyer cash needed$61,021.96
Remaining funds due$61,021.96
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%)$6,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,063.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,126.00
Initial HOA (3 months)$24.99
Prepaid interest, first (26 days)$2,658.24
Fees + prepaids$18,890.07
Your down payment is the seller’s equity. You take over the $612,768 balance, so the rest of the $654,900 price is paid at closing. A second mortgage can cover part of it. $61,021.96 is due at closing. Uses and sources reconcile at $673,790.07 each. Not a Closing Disclosure.