Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$30,146Cash toward the purchase price.
Closing costs + prepaids$18,303Not just lender fees.
Before credits & paid funds$48,450The complete starting cash picture.
Estimated remaining funds due at closing
$48,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,146.10
Your down payment$30,146.10
Closing costs + prepaids$18,303.47
Total buyer cash needed$48,449.57
Remaining funds due$48,449.57
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,949.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,750.75
Initial HOA (3 months)$77.01
Prepaid interest, first (23 days)$1,858.44
Fees + prepaids$18,303.47
Your down payment is the seller’s equity. You take over the $589,854 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $48,449.57 is due at closing. Uses and sources reconcile at $638,303.47 each. Not a Closing Disclosure.