Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$28,294Cash toward the purchase price.
Closing costs + prepaids$18,751Not just lender fees.
Before credits & paid funds$47,045The complete starting cash picture.
Estimated remaining funds due at closing
$47,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,294.13
Your down payment$28,294.13
Closing costs + prepaids$18,750.71
Total buyer cash needed$47,044.84
Remaining funds due$47,044.84
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,108.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,128.75
Initial HOA (3 months)$270.00
Prepaid interest, first (26 days)$1,275.43
Fees + prepaids$18,750.71
Your down payment is the seller’s equity. You take over the $621,706 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $47,044.84 is due at closing. Uses and sources reconcile at $668,750.71 each. Not a Closing Disclosure.