Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$25,108Cash toward the purchase price.
Closing costs + prepaids$20,220Not just lender fees.
Before credits & paid funds$45,328The complete starting cash picture.
Estimated remaining funds due at closing
$45,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,108.18
Your down payment$25,108.18
Closing costs + prepaids$20,219.62
Total buyer cash needed$45,327.80
Remaining funds due$45,327.80
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%)$3,249.45
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)$3,110.93
Fees + prepaids$20,219.62
Your down payment is the seller’s equity. You take over the $649,891 balance, so the rest of the $674,999 price is paid at closing. A second mortgage can cover part of it. $45,327.80 is due at closing. Uses and sources reconcile at $695,218.62 each. Not a Closing Disclosure.