Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$27,666Cash toward the purchase price.
Closing costs + prepaids$20,055Not just lender fees.
Before credits & paid funds$47,721The complete starting cash picture.
Estimated remaining funds due at closing
$47,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,665.60
Your down payment$27,665.60
Closing costs + prepaids$20,055.41
Total buyer cash needed$47,721.01
Remaining funds due$47,721.01
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%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,111.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,625.00
Initial HOA (3 months)$324.00
Prepaid interest, first (28 days)$3,026.76
Fees + prepaids$20,055.41
Your down payment is the seller’s equity. You take over the $622,333 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $47,721.01 is due at closing. Uses and sources reconcile at $670,054.41 each. Not a Closing Disclosure.