Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$35,215Cash toward the purchase price.
Closing costs + prepaids$18,450Not just lender fees.
Before credits & paid funds$53,665The complete starting cash picture.
Estimated remaining funds due at closing
$53,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,214.77
Your down payment$35,214.77
Closing costs + prepaids$18,450.31
Total buyer cash needed$53,665.08
Remaining funds due$53,665.08
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%)$6,499.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,073.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$875.75
Prepaid interest, first (23 days)$2,533.38
Fees + prepaids$18,450.31
Your down payment is the seller’s equity. You take over the $614,735 balance, so the rest of the $649,950 price is paid at closing. A second mortgage can cover part of it. $53,665.08 is due at closing. Uses and sources reconcile at $668,400.31 each. Not a Closing Disclosure.