Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,059Cash toward the purchase price.
Closing costs + prepaids$19,914Not just lender fees.
Before credits & paid funds$53,972The complete starting cash picture.
Estimated remaining funds due at closing
$53,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,058.80
Your down payment$34,058.80
Closing costs + prepaids$19,913.69
Total buyer cash needed$53,972.48
Remaining funds due$53,972.48
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%)$6,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,044.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,114.00
Initial HOA (3 months)$37.50
Prepaid interest, first (26 days)$2,819.48
Fees + prepaids$19,913.69
Your down payment is the seller’s equity. You take over the $608,941 balance, so the rest of the $643,000 price is paid at closing. A second mortgage can cover part of it. $53,972.48 is due at closing. Uses and sources reconcile at $662,913.69 each. Not a Closing Disclosure.