Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$30,012Cash toward the purchase price.
Closing costs + prepaids$20,290Not just lender fees.
Before credits & paid funds$50,302The complete starting cash picture.
Estimated remaining funds due at closing
$50,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,012.27
Your down payment$30,012.27
Closing costs + prepaids$20,289.64
Total buyer cash needed$50,301.91
Remaining funds due$50,301.91
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%)$2,974.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.50
Initial HOA (3 months)$900.00
Prepaid interest, first (29 days)$3,134.20
Fees + prepaids$20,289.64
Your down payment is the seller’s equity. You take over the $594,988 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $50,301.91 is due at closing. Uses and sources reconcile at $645,289.64 each. Not a Closing Disclosure.