Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$48,526Cash toward the purchase price.
Closing costs + prepaids$18,175Not just lender fees.
Before credits & paid funds$66,701The complete starting cash picture.
Estimated remaining funds due at closing
$66,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,525.82
Your down payment$48,525.82
Closing costs + prepaids$18,175.25
Total buyer cash needed$66,701.07
Remaining funds due$66,701.07
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%)$3,007.37
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)$30.00
Prepaid interest, first (25 days)$1,544.88
Fees + prepaids$18,175.25
Your down payment is the seller’s equity. You take over the $601,474 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $66,701.07 is due at closing. Uses and sources reconcile at $668,175.25 each. Not a Closing Disclosure.