Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$49,327Cash toward the purchase price.
Closing costs + prepaids$20,134Not just lender fees.
Before credits & paid funds$69,460The complete starting cash picture.
Estimated remaining funds due at closing
$69,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,326.52
Your down payment$49,326.52
Closing costs + prepaids$20,133.70
Total buyer cash needed$69,460.22
Remaining funds due$69,460.22
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,928.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,587.50
Initial HOA (3 months)$1,185.00
Prepaid interest, first (24 days)$2,614.83
Fees + prepaids$20,133.70
Your down payment is the seller’s equity. You take over the $585,673 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $69,460.22 is due at closing. Uses and sources reconcile at $655,133.70 each. Not a Closing Disclosure.