Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$34,717Cash toward the purchase price.
Closing costs + prepaids$29,939Not just lender fees.
Before credits & paid funds$64,656The complete starting cash picture.
Estimated remaining funds due at closing
$64,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,716.96
Your down payment$34,716.96
Closing costs + prepaids$29,938.83
Total buyer cash needed$64,655.79
Remaining funds due$64,655.79
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%)$10,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,071.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,622.50
Initial HOA (3 months)$615.00
Prepaid interest, first (27 days)$4,921.91
Fees + prepaids$29,938.83
Your down payment is the seller’s equity. You take over the $1,014,283 balance, so the rest of the $1,049,000 price is paid at closing. A second mortgage can cover part of it. $64,655.79 is due at closing. Uses and sources reconcile at $1,078,938.83 each. Not a Closing Disclosure.