Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$41,081Cash toward the purchase price.
Closing costs + prepaids$18,542Not just lender fees.
Before credits & paid funds$59,623The complete starting cash picture.
Estimated remaining funds due at closing
$59,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,080.58
Your down payment$41,080.58
Closing costs + prepaids$18,542.19
Total buyer cash needed$59,622.77
Remaining funds due$59,622.77
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%)$6,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,244.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$913.25
Initial HOA (3 months)$219.99
Prepaid interest, first (26 days)$1,797.85
Fees + prepaids$18,542.19
Your down payment is the seller’s equity. You take over the $648,819 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $59,622.77 is due at closing. Uses and sources reconcile at $708,442.19 each. Not a Closing Disclosure.