Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,168Cash toward the purchase price.
Closing costs + prepaids$18,619Not just lender fees.
Before credits & paid funds$52,787The complete starting cash picture.
Estimated remaining funds due at closing
$52,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,167.94
Your down payment$34,167.94
Closing costs + prepaids$18,618.87
Total buyer cash needed$52,786.81
Remaining funds due$52,786.81
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%)$6,359.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,008.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$794.25
Initial HOA (3 months)$129.99
Prepaid interest, first (26 days)$2,858.97
Fees + prepaids$18,618.87
Your down payment is the seller’s equity. You take over the $601,732 balance, so the rest of the $635,900 price is paid at closing. A second mortgage can cover part of it. $52,786.81 is due at closing. Uses and sources reconcile at $654,518.87 each. Not a Closing Disclosure.