Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$24,788Cash toward the purchase price.
Closing costs + prepaids$20,156Not just lender fees.
Before credits & paid funds$44,944The complete starting cash picture.
Estimated remaining funds due at closing
$44,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,788.43
Your down payment$24,788.43
Closing costs + prepaids$20,155.51
Total buyer cash needed$44,943.94
Remaining funds due$44,943.94
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%)$6,334.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,043.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,583.75
Initial HOA (3 months)$1,956.00
Prepaid interest, first (29 days)$1,769.95
Fees + prepaids$20,155.51
Your down payment is the seller’s equity. You take over the $608,662 balance, so the rest of the $633,450 price is paid at closing. A second mortgage can cover part of it. $44,943.94 is due at closing. Uses and sources reconcile at $653,605.51 each. Not a Closing Disclosure.