Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$3,824Cash toward the purchase price.
Closing costs + prepaids$18,725Not just lender fees.
Before credits & paid funds$22,549The complete starting cash picture.
Estimated remaining funds due at closing
$22,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,823.98
Your down payment$3,823.98
Closing costs + prepaids$18,724.83
Total buyer cash needed$22,548.81
Remaining funds due$22,548.81
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,105.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$771.75
Prepaid interest, first (27 days)$3,129.20
Fees + prepaids$18,724.83
Your down payment is the seller’s equity. You take over the $621,176 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $22,548.81 is due at closing. Uses and sources reconcile at $643,724.83 each. Not a Closing Disclosure.