Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$28,464Cash toward the purchase price.
Closing costs + prepaids$21,975Not just lender fees.
Before credits & paid funds$50,439The complete starting cash picture.
Estimated remaining funds due at closing
$50,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,463.59
Your down payment$28,463.59
Closing costs + prepaids$21,975.18
Total buyer cash needed$50,438.77
Remaining funds due$50,438.77
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%)$6,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,302.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,169.25
Initial HOA (3 months)$654.00
Prepaid interest, first (28 days)$3,491.25
Fees + prepaids$21,975.18
Your down payment is the seller’s equity. You take over the $660,536 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $50,438.77 is due at closing. Uses and sources reconcile at $710,975.18 each. Not a Closing Disclosure.