Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$48,649Cash toward the purchase price.
Closing costs + prepaids$18,087Not just lender fees.
Before credits & paid funds$66,737The complete starting cash picture.
Estimated remaining funds due at closing
$66,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,649.50
Your down payment$48,649.50
Closing costs + prepaids$18,087.26
Total buyer cash needed$66,736.76
Remaining funds due$66,736.76
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,181.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$414.75
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$1,947.76
Fees + prepaids$18,087.26
Your down payment is the seller’s equity. You take over the $636,351 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $66,736.76 is due at closing. Uses and sources reconcile at $703,087.26 each. Not a Closing Disclosure.