Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$25,426Cash toward the purchase price.
Closing costs + prepaids$20,161Not just lender fees.
Before credits & paid funds$45,587The complete starting cash picture.
Estimated remaining funds due at closing
$45,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,425.79
Your down payment$25,425.79
Closing costs + prepaids$20,160.99
Total buyer cash needed$45,586.78
Remaining funds due$45,586.78
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%)$6,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,247.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,341.25
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$3,053.88
Fees + prepaids$20,160.99
Your down payment is the seller’s equity. You take over the $649,573 balance, so the rest of the $674,999 price is paid at closing. A second mortgage can cover part of it. $45,586.78 is due at closing. Uses and sources reconcile at $695,159.99 each. Not a Closing Disclosure.