Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$27,211Cash toward the purchase price.
Closing costs + prepaids$19,703Not just lender fees.
Before credits & paid funds$46,914The complete starting cash picture.
Estimated remaining funds due at closing
$46,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,211.16
Your down payment$27,211.16
Closing costs + prepaids$19,702.70
Total buyer cash needed$46,913.86
Remaining funds due$46,913.86
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%)$6,389.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,058.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,597.50
Initial HOA (3 months)$1,311.00
Prepaid interest, first (25 days)$1,877.27
Fees + prepaids$19,702.70
Your down payment is the seller’s equity. You take over the $611,788 balance, so the rest of the $638,999 price is paid at closing. A second mortgage can cover part of it. $46,913.86 is due at closing. Uses and sources reconcile at $658,701.70 each. Not a Closing Disclosure.