Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$29,158Cash toward the purchase price.
Closing costs + prepaids$21,226Not just lender fees.
Before credits & paid funds$50,383The complete starting cash picture.
Estimated remaining funds due at closing
$50,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,157.75
Your down payment$29,157.75
Closing costs + prepaids$21,225.68
Total buyer cash needed$50,383.43
Remaining funds due$50,383.43
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,099.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,222.75
Initial HOA (3 months)$855.00
Prepaid interest, first (28 days)$3,090.72
Fees + prepaids$21,225.68
Your down payment is the seller’s equity. You take over the $619,842 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $50,383.43 is due at closing. Uses and sources reconcile at $670,225.68 each. Not a Closing Disclosure.