Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$2,863Cash toward the purchase price.
Closing costs + prepaids$18,692Not just lender fees.
Before credits & paid funds$21,555The complete starting cash picture.
Estimated remaining funds due at closing
$21,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,862.83
Your down payment$2,862.83
Closing costs + prepaids$18,692.19
Total buyer cash needed$21,555.02
Remaining funds due$21,555.02
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,135.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,131.00
Initial HOA (3 months)$27.51
Prepaid interest, first (23 days)$2,631.49
Fees + prepaids$18,692.19
Your down payment is the seller’s equity. You take over the $627,037 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $21,555.02 is due at closing. Uses and sources reconcile at $648,592.19 each. Not a Closing Disclosure.