Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$27,597Cash toward the purchase price.
Closing costs + prepaids$18,418Not just lender fees.
Before credits & paid funds$46,015The complete starting cash picture.
Estimated remaining funds due at closing
$46,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,596.58
Your down payment$27,596.58
Closing costs + prepaids$18,418.04
Total buyer cash needed$46,014.62
Remaining funds due$46,014.62
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%)$6,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,212.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,072.50
Initial HOA (3 months)$33.75
Prepaid interest, first (28 days)$1,931.78
Fees + prepaids$18,418.04
Your down payment is the seller’s equity. You take over the $642,402 balance, so the rest of the $669,999 price is paid at closing. A second mortgage can cover part of it. $46,014.62 is due at closing. Uses and sources reconcile at $688,417.04 each. Not a Closing Disclosure.