Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$30,562Cash toward the purchase price.
Closing costs + prepaids$20,727Not just lender fees.
Before credits & paid funds$51,288The complete starting cash picture.
Estimated remaining funds due at closing
$51,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,561.82
Your down payment$30,561.82
Closing costs + prepaids$20,726.58
Total buyer cash needed$51,288.40
Remaining funds due$51,288.40
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,092.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,622.50
Initial HOA (3 months)$1,980.00
Prepaid interest, first (24 days)$2,073.89
Fees + prepaids$20,726.58
Your down payment is the seller’s equity. You take over the $618,438 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $51,288.40 is due at closing. Uses and sources reconcile at $669,726.58 each. Not a Closing Disclosure.