Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$13,867Cash toward the purchase price.
Closing costs + prepaids$18,097Not just lender fees.
Before credits & paid funds$31,964The complete starting cash picture.
Estimated remaining funds due at closing
$31,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,866.92
Your down payment$13,866.92
Closing costs + prepaids$18,097.14
Total buyer cash needed$31,964.06
Remaining funds due$31,964.06
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,030.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$592.00
Prepaid interest, first (26 days)$2,806.48
Fees + prepaids$18,097.14
Your down payment is the seller’s equity. You take over the $606,133 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $31,964.06 is due at closing. Uses and sources reconcile at $638,097.14 each. Not a Closing Disclosure.