Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,783Cash toward the purchase price.
Closing costs + prepaids$18,494Not just lender fees.
Before credits & paid funds$42,278The complete starting cash picture.
Estimated remaining funds due at closing
$42,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,783.47
Your down payment$23,783.47
Closing costs + prepaids$18,494.06
Total buyer cash needed$42,277.53
Remaining funds due$42,277.53
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,226.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$636.00
Initial HOA (3 months)$162.51
Prepaid interest, first (28 days)$2,311.47
Fees + prepaids$18,494.06
Your down payment is the seller’s equity. You take over the $645,217 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $42,277.53 is due at closing. Uses and sources reconcile at $687,494.06 each. Not a Closing Disclosure.