Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$9,222Cash toward the purchase price.
Closing costs + prepaids$20,473Not just lender fees.
Before credits & paid funds$29,694The complete starting cash picture.
Estimated remaining funds due at closing
$29,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,221.97
Your down payment$9,221.97
Closing costs + prepaids$20,472.51
Total buyer cash needed$29,694.48
Remaining funds due$29,694.48
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%)$6,598.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,252.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,649.50
Initial HOA (3 months)$222.00
Prepaid interest, first (27 days)$3,282.12
Fees + prepaids$20,472.51
Your down payment is the seller’s equity. You take over the $650,578 balance, so the rest of the $659,800 price is paid at closing. A second mortgage can cover part of it. $29,694.48 is due at closing. Uses and sources reconcile at $680,272.51 each. Not a Closing Disclosure.