Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$29,842Cash toward the purchase price.
Closing costs + prepaids$19,799Not just lender fees.
Before credits & paid funds$49,641The complete starting cash picture.
Estimated remaining funds due at closing
$49,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,842.41
Your down payment$29,842.41
Closing costs + prepaids$19,798.74
Total buyer cash needed$49,641.15
Remaining funds due$49,641.15
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%)$6,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,175.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$555.00
Initial HOA (3 months)$474.99
Prepaid interest, first (29 days)$3,476.46
Fees + prepaids$19,798.74
Your down payment is the seller’s equity. You take over the $635,058 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $49,641.15 is due at closing. Uses and sources reconcile at $684,698.74 each. Not a Closing Disclosure.