Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$35,035Cash toward the purchase price.
Closing costs + prepaids$20,678Not just lender fees.
Before credits & paid funds$55,712The complete starting cash picture.
Estimated remaining funds due at closing
$55,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,034.83
Your down payment$35,034.83
Closing costs + prepaids$20,677.65
Total buyer cash needed$55,712.49
Remaining funds due$55,712.49
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,199.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,687.50
Initial HOA (3 months)$69.00
Prepaid interest, first (29 days)$3,503.33
Fees + prepaids$20,677.65
Your down payment is the seller’s equity. You take over the $639,965 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $55,712.49 is due at closing. Uses and sources reconcile at $695,677.65 each. Not a Closing Disclosure.